Credit union · NCUA insured
Cobblestone Country FCU Auto Loan Rates
Cobblestone Country FCU auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Cobblestone Country FCU’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Cobblestone Country FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cobblestone Country FCU
5.49%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Cobblestone Country FCU auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cobblestone Country 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.
First Time Auto Buyers
This product is for an applicant that wishes to purchase an automobile for the first time and they do not have a co-signer. Must be at their job for at least 1 year. Must make at least $15,000. No credit required; however, no outstanding derogatory credit is allowed or unpaid collections. Must have a down payment. CFCU will finance up to 95% of the NADA retail selling price. Vehicle will need to be fully insured with collision, comprehensive and liability, a deductible of $500 or less. Maximum loan amount $25,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.99% | Up to 60 months at 9.99% APR. Maximum loan amount $25,000. Minimum income $15,000. Must be on job at least 1 year. No co-signer. Up to 95% of NADA retail selling price financed. |
Sources (1)
- cobblestonecountryfcu.com/loan-rates · captured Oct 7, 2026
New Auto Loans
New Autos are defined as current model year and previous model year. The auto rates listed are for a 60-month term. Longer terms are available (if taken for 72 months, add 0.5% to the rate; if taken for 84 months, add 0.75% to the rate). When two members co-apply, the higher of the two credit scores is used. When there is a co-signer, the primary borrower's score is used. When there is no risk score, the 'C' rate will be used.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Tier A (credit score 690+); 60-month term. |
| up to 60 months | 7.49% | Tier B (credit score 640 – 689); 60-month term. |
| up to 60 months | 9.49% | Tier C (credit score 600 – 639); 60-month term. |
| up to 60 months | 13.69% | Tier D (credit score < 600); 60-month term. |
Sources (1)
- cobblestonecountryfcu.com/loan-rates · captured Oct 7, 2026
Used Auto Loans
The auto rates listed are for a 60-month term. Longer terms are available (if taken for 72 months, add 0.5% to the rate; if taken for 84 months, add 0.75% to the rate). When two members co-apply, the higher of the two credit scores is used. When there is a co-signer, the primary borrower's score is used. When there is no risk score, the 'C' rate will be used.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Tier A (credit score 690+); 60-month term. |
| up to 60 months | 7.99% | Tier B (credit score 640 – 689); 60-month term. |
| up to 60 months | 9.99% | Tier C (credit score 600 – 639); 60-month term. |
| up to 60 months | 14.99% | Tier D (credit score < 600); 60-month term. |
Sources (1)
- cobblestonecountryfcu.com/loan-rates · captured Oct 7, 2026
Who can join Cobblestone Country FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person living or working in Orleans County is eligible to join.
Family and household
- Family members, by blood or marriage, who are living in the same household as an eligible person/member are eligible to join regardless of age.
Cost to join
- Members are asked to maintain a minimum balance of $5.00 in their savings account.
- There is a $15.00 membership fee to join.
Membership information collected October 5, 2026.