Bank · FDIC insured
Carthage Federal Savings and Loan Association Auto Loan Rates
Carthage Federal Savings and Loan Association auto loans start at 7.00% APR for a new vehicle and 7.00% for a used one. Rates checked October 16, 2026.
How Carthage Federal Savings and Loan Association’s auto loan rates compare
Compared with banks and credit unions near Watertown, NY, where Carthage Federal Savings and Loan Association has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Carthage Federal Savings and Loan Association
7.00%APR
- Terms
- up to 66 months
Auto/Truck Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
AmeriCU Credit Union
4.74%APR
- Terms
- up to 84 months
Carthage Federal Savings and Loan Association auto loan score
62
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carthage Federal Savings and Loan Association ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto/Truck Loans
Up to 100% financing available for qualified buyers on new or used vehicles. Pre-approval and refinancing available. All loan applications are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.00% | Model Year: 2026-2025; Credit Score: 740 Plus |
| up to 72 months | 9.00% | Model Year: 2026-2025; Credit Score: 700-739 |
| up to 72 months | 13.50% | Model Year: 2026-2025; Credit Score: 699 or Less |
| up to 66 months | 7.00% | Model Year: 2024-2023; Credit Score: 740 Plus |
| up to 66 months | 9.00% | Model Year: 2024-2023; Credit Score: 700-739 |
| up to 66 months | 13.50% | Model Year: 2024-2023; Credit Score: 699 or Less |
| up to 48 months | 7.00% | Model Year: 2022-2019; Credit Score: 740 Plus |
| up to 48 months | 9.00% | Model Year: 2022-2019; Credit Score: 700-739 |
| up to 48 months | 13.50% | Model Year: 2022-2019; Credit Score: 699 or Less |
| up to 48 months | 11.00% | Model Year: 2018 & Older; Credit Score: 700-739 |
| up to 48 months | 14.00% | Model Year: 2018 & Older; Credit Score: 699 or Less |
Motorcycles
EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 12.0000% would equal a payment of $222.44. All loan applications are subject to credit approval. Interest rates and terms are accurate as of today and are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 9.00%–14.00% | Model Year 2026-2025. APR 9.00% for Credit Score 740 Plus, 11.00% for 700-739, 14.00% for 699 or Less. Maximum Term 66 Months. |
| up to 48 months | 9.00%–14.00% | Model Year 2022 & Older. APR 9.00% for Credit Score 740 Plus, 11.00% for 700-739, 14.00% for 699 or Less. Maximum Term 48 Months. |
Sources (1)
- carthagesavings.com/services-t…ools-security/rates.html · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.