Credit union · NCUA insured
Beginnings Credit Union Auto Loan Rates
Beginnings Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Beginnings Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ithaca, NY, where Beginnings Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Beginnings Credit Union
5.00%APR
- Terms
- —
- Up to
- —
Auto Loans
2nd-lowest rate
Chase
6.24%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Tompkins Employees FCU
6.75%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
Beginnings Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Beginnings Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Flexible repayment terms with no prepayment penalties. Financing available for dealership purchases via AutoConnection Program or private seller purchases. Offers one-time rate adjustment after 6 consecutive on-time monthly payments based on credit review. Green Lending Program offers special discounted rates for electric or hybrid vehicles. Proof of insurance required with maximum $1,000 deductible.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.00% | Newer Vehicles (2023 - 2026). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements. |
| — | 5.75% | Used Vehicles (2019 - 2022). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements. |
| — | 8.00% | Used Vehicles (2015 - 2018). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements. |
Sources (2)
All captured Oct 5, 2026
Payment Saver Loan
Low-payment vehicle loan combining conventional financing with leasing benefits. Qualifying vehicles up to 5 years old qualify for financing up to 72 months with 100% financing and no money down. Annual mileage options include 7,500, 10,000, 12,000, 15,000, and 18,000 miles. Option to sell, trade, return vehicle at maturity (vehicle disposition fee applies), or payoff/finance residual value. Recreation vehicles and motorcycles do not qualify.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75% | Newer Vehicles (2023 - 2026). Rate determined by credit score, term of loan, and model year of vehicle. |
| up to 72 months | 6.50% | Used Vehicles (2021 - 2022). Rate determined by credit score, term of loan, and model year of vehicle. |
Sources (2)
All captured Oct 5, 2026
Who can join Beginnings Credit Union
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