Credit union · NCUA insured
Cooperative Federal Credit Union Auto Loan Rates
Cooperative Federal Credit Union auto loans start at 5.23% APR for a new vehicle and 5.93% for a used one. Rates checked October 16, 2026.
How Cooperative Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Cooperative Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cooperative Federal Credit Union
5.23%APR
- Terms
- 49–60 months
New or Late Model Vehicles
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Cooperative Federal Credit Union auto loan score
74
Auto loan score
Higher than 37% of U.S. banks and credit unions
- New vehicleNew5.23%
- Used vehicleUsed5.93%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cooperative 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.
New or Late Model Vehicles
Subject to application and credit approval. Rates and terms are subject to change without notice. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | Rates as low as stated. Repayment term up to 24 months. |
| 25–36 months | 4.75% | Rates as low as stated. Repayment term 25 to 36 months. |
| 37–48 months | 4.99% | Rates as low as stated. Repayment term 37 to 48 months. |
| 49–60 months | 5.23% | Rates as low as stated. Repayment term 49 to 60 months. |
| 61–72 months | 5.50% | Rates as low as stated. Repayment term 61 to 72 months. |
| 73–84 months | 5.79% | Rates as low as stated. Repayment term 73 to 84 months. |
Used Cars and Trucks
Subject to application and credit approval. Rates and terms are subject to change without notice. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.45% | Rates as low as stated. Repayment term up to 12 months. |
| 13–24 months | 5.45% | Rates as low as stated. Repayment term 13 to 24 months. |
| 25–36 months | 5.45% | Rates as low as stated. Repayment term 25 to 36 months. |
| 37–48 months | 5.69% | Rates as low as stated. Repayment term 37 to 48 months. |
| 49–60 months | 5.93% | Rates as low as stated. Repayment term 49 to 60 months. |
| 61–72 months | 6.20% | Rates as low as stated. Repayment term 61 to 72 months. |
Who can join Cooperative 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
- Persons who live, work, worship, or attend school in the City of Syracuse.
Employers and groups
- Eligible affiliates (such as employees, members, volunteers, directors, or residents) of participating Field of Membership nonprofits, associations, and local businesses.
Military, government and schools
- Students of Henninger High School and Nottingham High School; and employees, students, and families of Jowonio School and The New School.
Family and household
- Individuals who have an immediate family member or household member who lives, works, worships, or attends school in Syracuse.
Cost to join
- $5 minimum initial savings deposit to open a savings account.
- $10 one-time New Member Fee ($2 for youth under age 18), waived when account is opened online.
Membership information collected October 5, 2026.