Credit union · NCUA insured
Cadets Federal Credit Union Auto Loan Rates
Cadets Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Cadets Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Cadets Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cadets Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
Cadets Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cadets Federal 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.
New Auto Loans
Eligible vehicles include autos purchased new within 180 days of loan date with less than 15,000 miles. Loan maximum up to 100% of purchase price including sales tax/extended warranty. Requires dealer invoice, insurance binder with comprehensive/collision coverage, credit union listed as loss payee and lienholder on DMV Title. Published rates established for A Credit (score 680-779); risk-based lending rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Up to 100% financing. Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 48 months | 4.75% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 54 months | 5.00% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 60 months | 5.25% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 66 months | 5.50% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 72 months | 6.00% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 78 months | 6.25% | Published rates for credit scores 680-779. Model years 2026-2027. |
| up to 84 months | 6.75% | Published rates for credit scores 680-779. Model years 2026-2027. |
Sources (2)
All captured Oct 5, 2026
Used Auto Loans
Eligible vehicles include used autos not exceeding 13 years of age. Loan maximum up to 100% of vehicle purchase price including sales tax/extended warranty as long as purchase price does not exceed retail price on NADA/KBB website. Requires dealer invoice, insurance binder with comprehensive/collision coverage, credit union listed as loss payee and lienholder on DMV Title. Published rates established for A Credit (score 680-779); risk-based lending rates apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Book Retail Value limit. Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 48 months | 5.25% | Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 54 months | 5.50% | Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 60 months | 5.75% | Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 66 months | 6.00% | Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 72 months | 6.50% | Published rates for credit scores 680-779. Model years 2016-2026. |
| up to 78 months | 6.75% | Vehicle must be 2021 or newer. Published rates for credit scores 680-779. |
| up to 84 months | 7.25% | Vehicle must be 2021 or newer. Published rates for credit scores 680-779. |
Sources (2)
All captured Oct 5, 2026
Who can join Cadets Federal Credit Union
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