Credit union · NCUA insured
ESL Federal Credit Union Auto Loan Rates
ESL Federal Credit Union auto loans start at 7.54% APR for a new vehicle and 7.54% for a used one. Rates checked October 16, 2026.
How ESL Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where ESL Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ESL Federal Credit Union
7.54%APR
- Terms
- up to 66 months
Automobile Loans
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
ESL Federal Credit Union auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.54%
- Used vehicleUsed7.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ESL 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.
Automobile Loans
Borrower and co-borrower must be ESL members and at least one must be 18 years of age. Credit approvals valid for 30 days. Rates subject to credit evaluation. Lien placed on vehicle. Financing available up to 150% of invoice (new) or 150% of adjusted NADA clean trade-in value (used). Average monthly balances qualify for Owners' Dividend.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 7.54% | New and Current Used (Model Year 2025-2027) |
| 67–72 months | 7.69% | New and Current Used (Model Year 2025-2027); $15,000 minimum for terms over 66 months |
| 73–75 months | 7.74% | New and Current Used (Model Year 2025-2027); $15,000 minimum for terms over 66 months |
| 76–84 months | 8.04% | New and Current Used (Model Year 2025-2027); $15,000 minimum for terms over 66 months |
| up to 66 months | 7.59% | Two-Year-Old Vehicles (Model Year 2024) |
| 76–84 months | 8.09% | Two-Year-Old Vehicles (Model Year 2024); $15,000 minimum for terms over 66 months |
| 73–75 months | 7.89% | Three-Year-Old Vehicles (Model Year 2023); $15,000 minimum for terms over 66 months |
| up to 66 months | 7.99% | Four-Year-Old Vehicles (Model Year 2022) |
| 67–72 months | 7.99% | Four-Year-Old Vehicles (Model Year 2022); $15,000 minimum for terms over 66 months |
| 73–75 months | 8.04% | Four-Year-Old Vehicles (Model Year 2022); $15,000 minimum for terms over 66 months |
| up to 63 months | 7.75% | Five- and Six-Year-Old Vehicles (Model Year 2020 - 2021) |
| 64–66 months | 8.05% | Five- and Six-Year-Old Vehicles (Model Year 2020 - 2021) |
| 67–72 months | 8.40% | Five- and Six-Year-Old Vehicles (Model Year 2020 - 2021); $15,000 minimum for terms over 66 months |
| up to 63 months | 10.00% | Seven Years and Older Vehicles (Model Year 2019 and older) |
Sources (2)
- esl.org/personal/resources-tools/rates/automobiles
- esl.org/personal/loans/auto-leisure-vehicles/auto-loan
All captured Oct 5, 2026
Who can join ESL Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.