Bank · FDIC insured
Chemung Canal Trust Company Auto Loan Rates
Chemung Canal Trust Company auto loans start at 7.00% APR for a new vehicle and 7.75% for a used one. Rates checked October 16, 2026.
How Chemung Canal Trust Company’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where Chemung Canal Trust Company has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Chemung Canal Trust Company
7.00%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto Loan
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
Chemung Canal Trust Company auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed7.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chemung Canal Trust Company 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.
New Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | Credit score 740 & Above; 0% Down Payment |
| 49–60 months | 7.00% | Credit score 740 & Above; 0% Down Payment |
| 61–72 months | 7.25% | Credit score 740 & Above; 0% Down Payment |
| up to 60 months | 8.00% | Credit score 700-739; 0% Down Payment |
| up to 60 months | 9.75% | Credit score 675–699; 20% Down Payment |
| up to 48 months | 11.75% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2016 and Older Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 12.00% | Credit score 740 & Above; 0% Down Payment |
| up to 36 months | 12.75% | Credit score 700-739; 10% Down Payment |
| up to 36 months | 13.00% | Credit score 675–699; 20% Down Payment |
| up to 36 months | 15.50% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2019-2017 Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 11.75% | Credit score 740 & Above; 0% Down Payment |
| up to 36 months | 12.50% | Credit score 700-739; 10% Down Payment |
| up to 36 months | 12.75% | Credit score 675–699; 20% Down Payment |
| up to 36 months | 15.25% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2020 Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | Credit score 740 & Above; 0% Down Payment |
| up to 48 months | 9.25% | Credit score 700-739; 0% Down Payment |
| up to 36 months | 10.75% | Credit score 675–699; 20% Down Payment |
| up to 36 months | 12.75% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2021 Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | Credit score 740 & Above; 0% Down Payment |
| up to 48 months | 8.75% | Credit score 700-739; 0% Down Payment |
| up to 48 months | 10.75% | Credit score 675–699; 20% Down Payment |
| up to 48 months | 11.75% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2022 Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | Credit score 740 & Above; 0% Down Payment |
| 37–48 months | 8.00% | Credit score 740 & Above; 0% Down Payment |
| up to 48 months | 8.50% | Credit score 700-739; 0% Down Payment |
| up to 48 months | 10.75% | Credit score 675–699; 20% Down Payment |
| up to 48 months | 11.75% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 2026
Used 2025, 2024, & 2023 Auto Loan
Interest rates will be discounted 0.25% with Auto Pay from a Canal Bank checking or savings account. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.25% | Credit score 740 & Above; 0% Down Payment |
| 49–60 months | 7.75% | Credit score 740 & Above; 0% Down Payment |
| up to 60 months | 8.25% | Credit score 700-739; 0% Down Payment |
| up to 60 months | 9.75% | Credit score 675–699; 20% Down Payment |
| up to 48 months | 11.75% | Credit score 674–660; 20% Down Payment |
Sources (1)
- chemungcanal.com/rates-auto-loan · captured Oct 5, 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.