Community Resource Federal Credit Union Auto Loan Rates

How Community Resource Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Albany, NY, where Community Resource Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Community Resource Federal Credit Union
5.04%APR
Terms
up to 60 months
Discount
Included in the rate
Vehicle Loans
Lowest rate
Sunmark Credit Union
3.74%APR
Terms
up to 60 months
Discount
Included in the rate
Sunmark Credit Union rates
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
Terms
up to 84 months
Discount
None included
NextStep Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 42% of U.S. banks and credit unions

By vehicle

New vehicleNew5.04%
Used vehicleUsed5.04%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Community Resource 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.

First Time Car Buyer Program

For members with limited or no credit history. Requires 12+ months at current job and 12+ months at current residency. No co-borrower required. Terms up to 72 months. Finance up to 100% of vehicle's value (Carfax Retail Value). Includes 0.25% Automatic Payment Discount. Shared standard vehicle loan rates apply.

Terms	APR	Conditions
up to 24 months	3.99%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	4.24%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	4.49%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	5.04%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 72 months	5.44%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 24 months	5.74%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	5.74%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	5.94%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	6.44%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 72 months	6.94%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 24 months	6.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	6.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	7.24%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	7.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.

Sources (3)

All captured Oct 7, 2026

Vehicle Loans

Rate includes Auto Pay discount of 0.25% with automatic payment. Rates and approval based on creditworthiness. Financing, refinancing, or leasing available.

Terms	APR	Conditions
up to 24 months	3.99%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	4.24%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	4.49%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	5.04%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 72 months	5.44%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 84 months	6.34%	2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 24 months	5.74%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	5.74%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	5.94%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	6.44%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 72 months	6.94%	2018 - 2021 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 24 months	6.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 36 months	6.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 48 months	7.24%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	7.99%	2014 - 2017 models. Rate includes 0.25% Auto Pay discount with automatic payment.
up to 60 months	3.99%	Limited-time promotional rate for 2022 and newer vehicles. Includes 0.25% Auto Pay discount with automatic payment. Rates and approval based on creditworthiness. No minimum loan amount. Purchase and refinance eligible. Membership required. Offer ends April 30, 2026.

Sources (3)

All captured Oct 7, 2026

Who can join Community Resource 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

Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, and Saratoga Counties are eligible for membership.

Family and household

Immediate family members or individuals living in the household of someone eligible for membership can join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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