Credit union · NCUA insured
First New York Federal Credit Union Auto Loan Rates
Top CarrotFirst New York Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How First New York Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where First New York Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First New York Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loan: 2021-2027 Model Years
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
First New York Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First New York 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.
Auto Refinance
Up to $150 cash back when you refinance (minimum loan amount eligible for cash back is $7,500; does not apply to existing First New York loans). Defer first payment up to 120 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rates as low as 3.99% APR. Up to $150 cash back with minimum loan amount of $7,500. Defer first payment up to 120 days. |
Sources (1)
- firstnewyork.org/auto · captured Oct 16, 2026
Easy Drive Lease-Like Program: 2021-2027 Model Years
Rate is based on 2021-2027 model years. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Fees may apply if returning the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. Example payment based on Tier 1 credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.24% | Rate as low as 5.24% APR for 2021-2027 model years. Example monthly payment $568 with $13,975.00 Guaranteed Future Value. |
| up to 36 months | 5.49% | Rate as low as 5.49% APR for 2021-2027 model years. Example monthly payment $463 with $11,869.00 Guaranteed Future Value. |
| up to 48 months | 5.49% | Rate as low as 5.49% APR for 2021-2027 model years. Example monthly payment $408 with $9,686.00 Guaranteed Future Value. |
| up to 60 months | 5.49% | Rate as low as 5.49% APR for 2021-2027 model years. Example monthly payment $372 with $7,640.00 Guaranteed Future Value. |
| up to 72 months | 5.74% | Rate as low as 5.74% APR for 2021-2027 model years. Example monthly payment $339 with $6,548.00 Guaranteed Future Value. |
Sources (1)
- firstnewyork.org/rates · captured Oct 16, 2026
New Auto Loan: 2021-2027 Model Years
Financing up to 125% of NADA value or purchase price, whichever is less, plus tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. All loans subject to approval. Includes a 0.25% APR discount for automatic loan payments. 0.50% APR discount available on auto loans for hybrid cars (or 0.50% APR discount for direct deposit and eStatements).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Rate as low as 3.99% APR. Reflects 0.25% automatic payment discount. |
| up to 36 months | 4.24% | Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount. |
| up to 48 months | 4.24% | Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount. |
| up to 60 months | 4.24% | Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount. |
| up to 72 months | 4.49% | For terms 72 months or greater, the minimum loan amount of $20,000. Reflects 0.25% automatic payment discount. |
| up to 84 months | 5.49% | For terms 72 months or greater, the minimum loan amount of $20,000. Reflects 0.25% automatic payment discount. |
| up to 96 months | 6.99% | 96 Month term ONLY available on NEW Automobile Model Years 2026-2027. For terms 72 months or greater, the minimum loan amount of $20,000. Reflects 0.25% automatic payment discount. |
Sources (1)
- firstnewyork.org/rates · captured Oct 16, 2026
Used Auto Loan: 2006-2016 Model Years
Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2016: We will finance the purchase price or NADA value. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.99% | Model years 2006-2016. Rate as low as 6.99% APR. Reflects 0.25% automatic payment discount. |
| up to 36 months | 6.99% | Model years 2006-2016. Rate as low as 6.99% APR. Reflects 0.25% automatic payment discount. |
| up to 48 months | 8.99% | Model years 2006-2016. Rate as low as 8.99% APR. Reflects 0.25% automatic payment discount. |
Sources (1)
- firstnewyork.org/rates · captured Oct 16, 2026
Used Auto Loan: 2017-2020 Model Years
Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | Model years 2017-2020. Rate as low as 5.49% APR. Reflects 0.25% automatic payment discount. |
| up to 36 months | 5.49% | Model years 2017-2020. Rate as low as 5.49% APR. Reflects 0.25% automatic payment discount. |
| up to 48 months | 5.74% | Model years 2017-2020. Rate as low as 5.74% APR. Reflects 0.25% automatic payment discount. |
| up to 60 months | 5.99% | Model years 2017-2020. Rate as low as 5.99% APR. Reflects 0.25% automatic payment discount. |
Sources (1)
- firstnewyork.org/rates · captured Oct 16, 2026
Who can join First New York 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 Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Opening a Primary Share Savings Account with a $1 minimum balance is required to establish membership.
Membership information collected October 5, 2026.