Credit union · NCUA insured
FASNY FCU Auto Loan Rates
FASNY FCU auto loans start at 7.99% APR for a new vehicle and 7.99% for a used one. Rates checked October 16, 2026.
How FASNY FCU’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where FASNY FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FASNY FCU
7.99%APR
- Terms
- up to 60 months
- Up to
- 11.99% APR
- Discount
- None included
All Other Secured (Vehicles 2018 and Older)
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
FASNY FCU auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.99%
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FASNY FCU 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.
2019-2022 Purchase or Refinance
LTV Over 100% Add 1%
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25%–8.25% | LTV Over 100% Add 1% |
| up to 36 months | 4.50%–8.50% | LTV Over 100% Add 1% |
| up to 48 months | 4.75%–8.75% | LTV Over 100% Add 1% |
| up to 60 months | 5.25%–9.25% | LTV Over 100% Add 1% |
| up to 72 months | 6.25%–10.25% | LTV Over 100% Add 1% |
Sources (1)
- fasnycu.com/loan-rates · captured Oct 16, 2026
2023 & Newer Purchase or Refinance
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–7.99% | — |
| up to 36 months | 4.24%–8.24% | — |
| up to 48 months | 4.49%–8.49% | — |
| up to 60 months | 4.99%–8.99% | — |
| up to 72 months | 5.99%–9.99% | — |
Sources (1)
- fasnycu.com/loan-rates · captured Oct 16, 2026
All Other Secured (Vehicles 2018 and Older)
Vehicles 2018 and Older, Off-Road, Water Crafts
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.99%–10.99% | — |
| up to 36 months | 7.24%–11.24% | — |
| up to 48 months | 7.49%–11.49% | — |
| up to 60 months | 7.99%–11.99% | — |
Sources (1)
- fasnycu.com/loan-rates · captured Oct 16, 2026
Who can join FASNY FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and volunteers of the credit union are eligible for membership.
- Members of the Firemen's Association of the State of New York (FASNY) are eligible for membership.
- Members of the Ladies Auxiliary of the Firemen's Association of the State of New York (LAFASNY) are eligible for membership.
- Members of the National Volunteer Fire Council (NVFC) are eligible for membership.
Family and household
- Spouses and immediate family members of members of FASNY, NVFC, or LAFASNY are eligible for membership.
Cost to join
- An initial $5.00 share deposit is required to establish and maintain membership.
Membership information collected October 5, 2026.