Credit union · NCUA insured
Community Financial Services Auto Loan Rates
Community Financial Services auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Community Financial Services’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Community Financial Services has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Financial Services
5.25%APR
- Terms
- up to 60 months
- Discount
- None included
New Cars and Motorcycles
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Community Financial Services auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Financial Services 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 and Motorcycles
Up to 100% of Purchase Price. Discounted Interest Rate with Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | — |
| up to 48 months | 5.00% | — |
| up to 60 months | 5.25% | — |
Used Cars and Motorcycles
NADA Financing Value. Discounted Interest Rate with Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 5.75% | — |
Who can join Community Financial Services
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships in Union County, NJ.
Family and household
- The entire family of a member is eligible to join.
Membership information collected October 5, 2026.