Credit union · NCUA insured
Finger Lakes Health Care Federal Credit Union Auto Loan Rates
Finger Lakes Health Care Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Finger Lakes Health Care Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elmira, NY, where Finger Lakes Health Care Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Finger Lakes Health Care Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
Automobile and Motorcycle - New (2025, 2026, 2027)
2nd-lowest rate
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
- Up to
- —
3rd-lowest rate
Solutions Credit Union
5.50%APR
- Terms
- up to 66 months
- Up to
- 10.00% APR
Finger Lakes Health Care Federal Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.25%
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 Health Care 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 and Motorcycle - New (2025, 2026, 2027)
Applicable to new automobile and motorcycle models (2025, 2026, 2027). Rates are tiered based on credit score (Tier A+ 760 and above, Tier A 701-759, Tier B 641-700, Tier C 600-640, Tier D 500-599). Collateral loan terms depend on total amount financed, collateral age, mileage, and condition.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00%–14.50% | Rates range from 4.00% (Tier A+, 760 & above) to 14.50% (Tier D, 500-599) based on credit score. |
| up to 60 months | 4.50%–15.00% | Rates range from 4.50% (Tier A+, 760 & above) to 15.00% (Tier D, 500-599) based on credit score. |
| up to 72 months | 5.00%–15.50% | Rates range from 5.00% (Tier A+, 760 & above) to 15.50% (Tier D, 500-599) based on credit score. |
| up to 84 months | 5.75%–16.25% | Rates range from 5.75% (Tier A+, 760 & above) to 16.25% (Tier D, 500-599) based on credit score. |
Sources (1)
- flhc.com/wp-content/uploads/2026/07/July2026.pdf · captured Oct 7, 2026
Automobile and Motorcycle - Used Tier 1 (2021 - 2024)
Applicable to used automobile and motorcycle models (2021-2024). Mileage over 100K allowed up to 4 years max. Rates are tiered based on credit score (Tier A+ to D).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75%–15.25% | Rates range from 4.75% (Tier A+, 760 & above) to 15.25% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
| up to 60 months | 5.25%–15.75% | Rates range from 5.25% (Tier A+, 760 & above) to 15.75% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
| up to 72 months | 6.00%–16.50% | Rates range from 6.00% (Tier A+, 760 & above) to 16.50% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
Sources (1)
- flhc.com/wp-content/uploads/2026/07/July2026.pdf · captured Oct 7, 2026
Automobile and Motorcycle - Used Tier 2 (2017 - 2020)
Applicable to used automobile and motorcycle models (2017-2020). Mileage over 100K allowed up to 4 years max. Rates are tiered based on credit score (Tier A+ to D).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–15.75% | Rates range from 5.25% (Tier A+, 760 & above) to 15.75% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
| up to 48 months | 5.75%–16.25% | Rates range from 5.75% (Tier A+, 760 & above) to 16.25% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
| up to 60 months | 6.25%–16.75% | Rates range from 6.25% (Tier A+, 760 & above) to 16.75% (Tier D, 500-599) based on credit score. Mileage over 100K, 4 years max. |
Sources (1)
- flhc.com/wp-content/uploads/2026/07/July2026.pdf · captured Oct 7, 2026
Automobile and Motorcycle - Used Tier 3 (2014 - 2016)
Applicable to used automobile and motorcycle models (2014-2016). Rates are tiered based on credit score (Tier A+ to D).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.50%–17.00% | Rates range from 6.50% (Tier A+, 760 & above) to 17.00% (Tier D, 500-599) based on credit score. |
Sources (1)
- flhc.com/wp-content/uploads/2026/07/July2026.pdf · captured Oct 7, 2026
Who can join Finger Lakes Health Care Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Health care employees in the Elmira-Watkins Glen area are eligible for membership.
Family and household
- Families of health care employees in the Elmira-Watkins Glen area are eligible for membership.
Membership information collected October 5, 2026.