Credit union · NCUA insured
Empower Federal Credit Union Auto Loan Rates
Empower Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Empower Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Empower Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
New Electric Vehicle/Motorcycle
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Empower Federal Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Empower 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 & Used Electric Bicycles
New & Used Electric Bicycles. Effective date: May 01, 2024.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | — |
| 37–48 months | 7.99% | — |
| 49–66 months | 8.74% | — |
| 67–75 months | 8.99% | — |
Sources (1)
- empowerfcu.com/about-us/rates/auto-rates · captured Oct 5, 2026
New Auto/Motorcycle Loan
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026). Some restrictions apply. Rates are based on an evaluation of credit history, so your rate may differ. All loans subject to approval. Rates, terms and conditions subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| 37–48 months | 5.74% | — |
| 49–66 months | 5.99% | — |
| 67–75 months | 6.24% | — |
| 76–84 months | 6.74% | — |
Sources (2)
All captured Oct 5, 2026
New Electric Vehicle/Motorcycle
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026). Member must disclose intention to purchase electric vehicle at time of loan application to receive advertised rate. Rates include a 0.50% APR discount off new vehicle or personal loan rates and are based on credit history evaluation. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 37–48 months | 5.24% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 49–66 months | 5.49% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 67–75 months | 5.74% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 76–84 months | 6.24% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
Sources (1)
- empowerfcu.com/about-us/rates/auto-rates · captured Oct 5, 2026
Older Auto Loans
Older = 2017-2019. Note: Rates apply to older autos and recreational vehicles. Rates, terms and conditions subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.74% | — |
| 37–48 months | 9.24% | — |
| 49–66 months | 9.49% | — |
Sources (1)
- empowerfcu.com/about-us/rates/auto-rates · captured Oct 5, 2026
Used Auto/Motorcycle Loan
Used = 2020 & newer, or previously titled and registered. Some restrictions apply. Rates are based on an evaluation of credit history, so your rate may differ. All loans subject to approval. Rates, terms and conditions subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | — |
| 37–48 months | 5.99% | — |
| 49–66 months | 6.24% | — |
| 67–75 months | 6.49% | — |
| 76–84 months | 6.99% | — |
Sources (2)
All captured Oct 5, 2026
Used Electric Vehicle/Motorcycle
Used = 2020 & newer, or previously titled and registered. Member must disclose intention to purchase electric vehicle at time of loan application to receive advertised rate. Rates include a 0.50% APR discount off used vehicle or personal loan rates and are based on credit history evaluation. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 37–48 months | 5.49% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 49–66 months | 5.74% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 67–75 months | 5.99% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
| 76–84 months | 6.49% | Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation. |
Sources (1)
- empowerfcu.com/about-us/rates/auto-rates · captured Oct 5, 2026
Who can join Empower 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 attend school in Empower FCU's service area are eligible to join.
Employers and groups
- Individuals who meet select employer or community partner affiliations are eligible to join.
Family and household
- Individuals who have a family member who is already a member are eligible to join.
Other ways
- Applicants can qualify for membership by joining the American Consumer Council (ACC) at no cost.
Cost to join
- Opening a membership requires a share savings account with a $1 minimum deposit.
Membership information collected October 5, 2026.