Credit union · NCUA insured
Crouse Federal Credit Union Auto Loan Rates
Crouse Federal Credit Union auto loans start at 7.99% APR for a new vehicle and 7.99% for a used one. Rates checked October 16, 2026.
How Crouse Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Crouse Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Crouse Federal Credit Union
7.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Older Vehicles (2018 and Older) - Automobiles (07/13/2026 Rate Sheet)
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- None included
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
- Discount
- None included
Crouse Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.99%
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Crouse 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 Purchase (Used Auto) or Refinance (Years 2019 – 2022) / (Used 2022-2023)
Term based on year, mileage and NADA values. Optional insurance is available for life, disability, and Gap coverage. Rates listed 'As low as' based on credit score from Experian 680 or higher. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Years 2019-2022. Based on Experian credit score 680+ and automatic payment. |
| up to 48 months | 4.99% | Years 2019-2022. Based on Experian credit score 680+ and automatic payment. |
| up to 60 months | 5.29% | Years 2019-2022. Based on Experian credit score 680+ and automatic payment. |
| up to 72 months | 5.99% | Years 2019-2022. Based on Experian credit score 680+ and automatic payment. |
| up to 84 months | 6.79% | Available for Auto loan > 2022-2023 (Used). NADA Value must be + $35,000. Based on Experian credit score 680+ and automatic payment. |
Sources (1)
- crousefcu.com/wp-content/uploa…-Rate-Sheet-07132026.pdf · captured Oct 7, 2026
Auto Purchase or Refinance (Years 2023-2027)
New and Used—Previously titled. Term based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax and extended warranty. Optional insurance is available for life, disability, and Gap coverage. Rates are listed 'As low as' based on credit score from Experian 680 or higher. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Based on Experian credit score 680+ and automatic payment. |
| up to 48 months | 4.29% | Based on Experian credit score 680+ and automatic payment. |
| up to 60 months | 4.69% | Based on Experian credit score 680+ and automatic payment. |
| up to 72 months | 4.99% | Based on Experian credit score 680+ and automatic payment. |
| up to 84 months | 5.59% | Available for Auto loan > 2024-2027 (New or Used). Finance amount must be over + $25,000. Based on Experian credit score 680+ and automatic payment. |
Sources (1)
- crousefcu.com/wp-content/uploa…-Rate-Sheet-07132026.pdf · captured Oct 7, 2026
Older Vehicles (2018 and Older) - Automobiles (07/13/2026 Rate Sheet)
Category includes automobiles, boats, RV, motorcycle, and other purchases. Term based on year, mileage and NADA values. Rates listed 'As low as' based on credit score from Experian 680 or higher. Rate assumes automatic payment on contractual due date or .50% will be added to the rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.50% | Based on Experian credit score 680+ and automatic payment. |
| up to 48 months | 7.75% | Based on Experian credit score 680+ and automatic payment. |
| up to 60 months | 7.99% | Based on Experian credit score 680+ and automatic payment. |
Sources (1)
- crousefcu.com/wp-content/uploa…-Rate-Sheet-07132026.pdf · captured Oct 7, 2026
Who can join Crouse Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and volunteers of Crouse Hospital and subsidiaries, Medical Imaging Center, Crouse Medical Practice (formerly Internist Associates of CNY), and other small employee groups are eligible to join.
Family and household
- Immediate family members of eligible members may join the credit union.
Membership information collected October 5, 2026.