Credit union · NCUA insured
CCSE Federal Credit Union Auto Loan Rates
Top CarrotCCSE Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How CCSE Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Olean, NY, where CCSE Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CCSE Federal Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 12.25% APR
- Discount
- None included
New Cars
Lowest rate
High Point Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
SNIFCU
5.00%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
CCSE Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CCSE 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 Cars
All rates subject to change without notice. Maximum discount rate (up to 0.75% discount) is credit score based and equivalent to an A borrower with maximum rate discounts applied. Available rate discounts: Auto Pay (0.25%), Flip Flop Auto (0.25%), 1st Choice Auto for dealer cars (0.30%), Over $10,000 on deposit for personal accounts only (0.15%), More than 2 open/active Loans (0.05%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25%–12.25% | Maximum Discount Rate as low as 3.50% for an A borrower with all maximum rate discounts applied (0.75%). |
| 61–84 months | 4.80%–12.80% | Maximum Discount Rate as low as 4.05% for an A borrower with all maximum rate discounts applied (0.75%). |
| 85–96 months | 5.30%–13.30% | Maximum Discount Rate as low as 4.55% for an A borrower with all maximum rate discounts applied (0.75%). |
Used Cars
All rates subject to change without notice. Maximum discount rate (up to 0.75% discount) is credit score based and equivalent to an A borrower with maximum rate discounts applied. Available rate discounts: Auto Pay (0.25%), Flip Flop Auto (0.25%), 1st Choice Auto for dealer cars (0.30%), Over $10,000 on deposit for personal accounts only (0.15%), More than 2 open/active Loans (0.05%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75%–12.75% | Maximum Discount Rate as low as 4.00% for an A borrower with all maximum rate discounts applied (0.75%). |
| 61–84 months | 5.00%–13.00% | Maximum Discount Rate as low as 4.25% for an A borrower with all maximum rate discounts applied (0.75%). |
| 85–96 months | 5.50%–13.50% | Maximum Discount Rate as low as 4.75% for an A borrower with all maximum rate discounts applied (0.75%). |
Who can join CCSE Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Cattaraugus County is eligible for membership.
Membership information collected October 5, 2026.