Credit union · NCUA insured
Dannemora Federal Credit Union Auto Loan Rates
Dannemora Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Dannemora Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Plattsburgh, NY, where Dannemora Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dannemora Federal Credit Union
5.00%APR
- Terms
- 49–66 months
New Auto/Truck
Lowest rate
AmeriCU Credit Union
4.74%APR
- Terms
- up to 84 months
2nd-lowest rate
NorthCountry Federal Credit Union
4.99%APR
- Terms
- up to 60 months
Dannemora Federal Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dannemora 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 Auto/Truck
All loans are subject to credit approval. Rate, term, and loan-to-value of vehicle may vary based on model year of the vehicle and creditworthiness. Up to 100% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Maximum Loan-to-Value 100%. |
| 37–48 months | 5.00% | Maximum Loan-to-Value 100%. |
| 49–66 months | 5.00% | Maximum Loan-to-Value 100%. |
| 67–72 months | 5.75% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 73–78 months | 6.00% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 79–84 months | 6.25% | Loan amount > $25,000. Maximum Loan-to-Value 100%. |
Sources (3)
- dfcu.net/loans-credit/consumer-loans
- dfcu.net/loans-credit/consumer-loans/auto-loans.html
- dfcu.net/services-tools/tools/rates.html
All captured Oct 7, 2026
New Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment)
Mileage may not exceed NADA average. Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months. All loans are subject to credit approval. Rate and term may differ based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 7.00% | Maximum Loan-to-Value 100%. |
| 49–60 months | 7.25% | Maximum Loan-to-Value 100%. |
| 61–72 months | 7.50% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 73–120 months | 8.00% | Loan amount > $40,000. Maximum Loan-to-Value 100%. |
Sources (1)
- dfcu.net/services-tools/tools/rates.html · captured Oct 7, 2026
Used Auto/Truck
All loans are subject to credit approval. Rate, term, and loan-to-value of vehicle may vary based on model year of the vehicle and creditworthiness. Up to 100% financing available for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Maximum Loan-to-Value 100%. |
| 37–48 months | 5.50% | Maximum Loan-to-Value 100%. |
| 49–66 months | 5.50% | Maximum Loan-to-Value 100%. |
| 67–72 months | 6.00% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 73–78 months | 6.25% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 79–84 months | 6.75% | Loan amount > $25,000. Maximum Loan-to-Value 100%. |
Sources (3)
- dfcu.net/loans-credit/consumer-loans
- dfcu.net/loans-credit/consumer-loans/auto-loans.html
- dfcu.net/services-tools/tools/rates.html
All captured Oct 7, 2026
Used Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment)
Mileage may not exceed NADA average. Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months. All loans are subject to credit approval. Rate and term may differ based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 7.50% | Maximum Loan-to-Value 100%. |
| 49–60 months | 7.75% | Maximum Loan-to-Value 100%. |
| 61–72 months | 8.00% | Loan amount > $15,000. Maximum Loan-to-Value 100%. |
| 73–120 months | 8.50% | Loan amount > $40,000. Maximum Loan-to-Value 100%. |
Sources (1)
- dfcu.net/services-tools/tools/rates.html · captured Oct 7, 2026
Who can join Dannemora 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
- Membership is open to anyone who lives, works, attends school, or worships in Clinton, Essex, Franklin, or St. Lawrence Counties in New York.
Cost to join
- Opening membership requires a $5.00 deposit into a DFCU Savings account.
Membership information collected October 5, 2026.