Credit union · NCUA insured
Division 819 Transit Employees Credit Union Auto Loan Rates
Division 819 Transit Employees Credit Union auto loans start at 5.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 22, 2026.
How Division 819 Transit Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Division 819 Transit Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Division 819 Transit Employees Credit Union
5.50%APR
- Terms
- up to 60 months
- Up to
- 9.50% APR
- Discount
- None included
New Cars / M.C. Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Division 819 Transit Employees Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Division 819 Transit Employees 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 Cars / M.C. Loan
Subject to credit approval. Loan limit is 100% of list price including sales tax, plates, etc. not to exceed $40,000.00. Minimum 6 months on present job up to $20,000.00; 1 year or more on present job up to $40,000.00. Title with Credit Union listed as lien holder and proof of insurance required. FICO scores below 500 declined. Auto loans cannot be refinanced.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50%–9.50% | Interest rate is based on credit score: 5.5% per annum for FICO 700 and above; 6% per annum for FICO 600-699; 6.5% per annum for FICO 500-599; 8.5%, 9%, or 9.5% per annum for No Score (dependent on debt-to-income ratio). FICO scores below 500 declined. |
Sources (1)
- div819cu.com/accounts · captured Oct 4, 2026
Used Autos Loan
Subject to credit approval. Auto must not be more than 5 years old. Loan limit is 100% of N.A.D.A book value, including sales tax, plates, etc. not to exceed $40,000.00. Minimum 6 months on present job up to $20,000.00; 1 year or more on present job up to $40,000.00. Title with Credit Union listed as lien holder and proof of insurance required. FICO scores below 500 declined. Auto loans cannot be refinanced.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.50%–10.50% | Interest rate is based on credit score: 6.5% per annum for FICO 700 and above; 7% per annum for FICO 600-699; 7.5% per annum for FICO 500-599; 9.5%, 10%, or 10.5% per annum for No Score (dependent on debt-to-income ratio). FICO scores below 500 declined. |
Sources (1)
- div819cu.com/accounts · captured Oct 4, 2026
Who can join Division 819 Transit Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals employed by Amalgamated Transit Union (ATU) Local 819.
Family and household
- Membership is open to immediate family of current members.
Membership information collected October 5, 2026.