Credit union · NCUA insured
Chen-Del-O Federal Credit Union Auto Loan Rates
Chen-Del-O Federal Credit Union auto loans start at 5.79% APR for a new vehicle and 6.19% for a used one. Rates checked October 16, 2026.
How Chen-Del-O Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in New York, where Chen-Del-O Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chen-Del-O Federal Credit Union
5.79%APR
- Terms
- up to 60 months
Vehicle Loans (Includes Motorcycles)
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
Chen-Del-O Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.79%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chen-Del-O 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.
Vehicle Loans (Includes Motorcycles)
No pricing by credit score. Rate match may be available for purchase or refinance with proof of competitor rate from another bank or credit union; existing Chen-Del-O loans are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Model year: 2025 - New |
| up to 60 months | 5.79% | Model year: 2025 - New |
| up to 48 months | 5.69% | Model year: 2025 - New |
| up to 36 months | 5.59% | Model year: 2025 - New |
| up to 24 months | 5.19% | Model year: 2025 - New |
| up to 72 months | 6.49% | Model year: 2023 - 2024 Only |
| up to 60 months | 6.19% | Model year: 2022 - 2024 |
| up to 48 months | 6.09% | Model year: 2022 - 2024 |
| up to 36 months | 5.99% | Model year: 2022 - 2024 |
| up to 24 months | 5.89% | Model year: 2022 - 2024 |
| up to 60 months | 7.29% | Model year: 2021 - Down |
| up to 48 months | 7.09% | Model year: 2021 - Down |
| up to 36 months | 6.99% | Model year: 2021 - Down |
| up to 24 months | 6.79% | Model year: 2021 - Down |
Sources (1)
- chendelo.org/loanrates.php · captured Oct 7, 2026
Who can join Chen-Del-O Federal Credit Union
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