Credit union · NCUA insured
County Excellence Federal Credit Union Auto Loan Rates
County Excellence Federal Credit Union auto loans start at 5.55% APR for a new vehicle and 6.30% for a used one. Rates checked October 22, 2026.
How County Excellence Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where County Excellence Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
County Excellence Federal Credit Union
5.55%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle Loan
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
County Excellence Federal Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.55%
- Used vehicleUsed6.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where County Excellence 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.
Auto Loan Refinance
2 Point Rate Drop Refinance existing auto loans, currently NOT with the credit union. Floor rate of 3.99%. Proof of existing rate needs to be provided. Rates are subject to change without notice and restrictions may apply. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | 2 Point Rate Drop Refinance existing auto loans, currently NOT with the credit union. Floor rate of 3.99%. Proof of existing rate needs to be provided. A 4-Year, Fixed-Rate Refinanced Vehicle Loan for $20,000 would have 48 monthly payments of $451.49 each, at an Annual Percentage Rate (APR) as low as 3.99%. |
New Vehicle Loan
Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags). *As low as rates include all available discounts. Not all applicants qualify your rate may be different.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.55% | *As low as rates include all available discounts. Not all applicants qualify your rate may be different. Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags) |
| 61–84 months | 6.80% | *As low as rates include all available discounts. Not all applicants qualify your rate may be different. Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags) |
Used Vehicle Loan
Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags). *As low as rates include all available discounts. Not all applicants qualify your rate may be different.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.30% | *As low as rates include all available discounts. Not all applicants qualify your rate may be different. Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags) |
| 61–84 months | 7.55% | *As low as rates include all available discounts. Not all applicants qualify your rate may be different. Amount financed allowable on all Used Vehicles: Average Loan from Retail of NADA Retail Value Amount financed allowable on all New Vehicles: Total Purchase Price (includes MSRP, tax, title and tags) |
Who can join County Excellence 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 conduct business in Hunterdon County are eligible to join.
- Individuals who live, work, worship, or conduct business in Somerset County are eligible to join.
- Individuals who live, work, worship, or conduct business in Union County are eligible to join.
Family and household
- Immediate family members of existing County Excellence FCU members are eligible to join.
Membership information collected October 5, 2026.