Credit union · NCUA insured
Finger Lakes Federal Credit Union Auto Loan Rates
Top CarrotFinger Lakes Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Finger Lakes Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Finger Lakes Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Finger Lakes Federal Credit Union
4.49%APR
- Terms
- up to 63 months
New Auto (2025 & newer)
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Finger Lakes Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Finger Lakes 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 Auto (2025 & newer)
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.49% | APR with discount as low as 3.99%. |
| up to 66 months | 4.99% | APR with discount as low as 4.49%. |
| up to 72 months | 4.99% | APR with discount as low as 4.49%. |
| up to 75 months | 5.55% | APR with discount as low as 5.05%. |
| up to 84 months | 5.75% | APR with discount as low as 5.25%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto - 2021
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.35% | APR with discount as low as 5.85%. |
| up to 63 months | 6.45% | APR with discount as low as 5.95%. |
| up to 66 months | 6.45% | APR with discount as low as 5.95%. |
| up to 72 months | 7.45% | APR with discount as low as 6.95%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto - 2022
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.75% | APR with discount as low as 5.25%. |
| up to 66 months | 5.85% | APR with discount as low as 5.35%. |
| up to 72 months | 6.00% | APR with discount as low as 5.50%. |
| up to 75 months | 6.25% | APR with discount as low as 5.75%. |
| up to 84 months | 6.35% | APR with discount as low as 5.85%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto - 2023
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.55% | APR with discount as low as 5.05%. |
| up to 66 months | 5.65% | APR with discount as low as 5.15%. |
| up to 72 months | 5.75% | APR with discount as low as 5.25%. |
| up to 75 months | 5.85% | APR with discount as low as 5.35%. |
| up to 84 months | 6.25% | APR with discount as low as 5.75%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto - 2024
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.49% | APR with discount as low as 3.99%. |
| up to 66 months | 4.99% | APR with discount as low as 4.49%. |
| up to 72 months | 4.99% | APR with discount as low as 4.49%. |
| up to 75 months | 5.55% | APR with discount as low as 5.05%. |
| up to 84 months | 5.75% | APR with discount as low as 5.25%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto 2011-2017
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | APR with discount as low as 6.25%. |
| up to 60 months | 6.85% | APR with discount as low as 6.35%. |
| up to 63 months | 6.85% | APR with discount as low as 6.35%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Used Auto 2018-2020
Finance up to 130%. Up to 0.50% APR discount available (0.25% for auto pay and 0.25% for checking with direct deposit). Vehicles with 100k miles or more have 1% added to the rate. APR based on credit score, model year, term, and repayment method. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.55% | APR with discount as low as 6.05%. |
| up to 60 months | 6.65% | APR with discount as low as 6.15%. |
| up to 66 months | 6.65% | APR with discount as low as 6.15%. |
Sources (3)
- flfcu.org/borrow/auto-loans/purchasing
- flfcu.org/borrow/auto-loans/refinancing
- flfcu.org/borrow/other-loans/loan-rates
All captured Oct 16, 2026
Who can join Finger Lakes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.