Credit union · NCUA insured
Directors Choice Credit Union Auto Loan Rates
Directors Choice Credit Union auto loans start at 5.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Directors Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where Directors Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Directors Choice Credit Union
5.25%APR
- Terms
- 49–60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
Directors Choice Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Directors Choice 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.
Vehicle Loans
Rates current as of September 1, 2025. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. Rates vary based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | Model years 2025-2022 with mileage 15,000 or less. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| 49–60 months | 5.25% | Model years 2025-2022 with mileage 15,000 or less. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| 61–72 months | 5.50% | Model years 2025-2022 with mileage 15,000 or less. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| up to 48 months | 6.25% | Model years up to 7 years old. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| 49–60 months | 6.25% | Model years up to 7 years old. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| 61–72 months | 6.50% | Model years up to 7 years old. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| up to 48 months | 8.25% | Model years 8-10 years old. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
| 49–60 months | 8.25% | Model years 8-10 years old. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans. |
Sources (1)
- directorschoicecu.com/lending/loan-rates · captured Oct 6, 2026
Who can join Directors Choice Credit Union
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