Credit union · NCUA insured
Canandaigua FCU Auto Loan Rates
Top CarrotCanandaigua FCU auto loans start at 4.75% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Canandaigua FCU’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Canandaigua FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Canandaigua FCU
4.75%APR
- Terms
- up to 60 months
- Up to
- 6.25% APR
New Auto Loan or new vehicles up to 5000 miles
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
- Up to
- —
Canandaigua FCU auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Canandaigua FCU 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 Loan or new vehicles up to 5000 miles
APR is based on creditworthiness, loan type, term and is subject to the credit union's underwriting guidelines. Rates and terms are subject to change without notice. New vehicles up to 5000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75%–6.25% | — |
| up to 48 months | 4.75%–6.25% | — |
| up to 60 months | 4.75%–6.25% | — |
| up to 72 months | 4.75%–6.25% | — |
| up to 84 months | 4.75%–6.25% | — |
Sources (3)
All captured Oct 16, 2026
Pre-owned Vehices up to 2022
APR is based on creditworthiness, loan type, term and is subject to the credit union's underwriting guidelines. Rates and terms are subject to change without notice. Pre-owned Vehices up to 2022.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.49% | — |
| up to 72 months | 5.49% | — |
| up to 84 months | 5.49% | — |
| — | 5.49% | — |
| — | 5.49% | 2020 and newer |
Sources (3)
All captured Oct 16, 2026
Who can join Canandaigua FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.