Credit union · NCUA insured
FourLeaf Federal Credit Union Auto Loan Rates
FourLeaf Federal Credit Union auto loans start at 5.53% APR for a new vehicle and 5.88% for a used one. Rates checked October 16, 2026.
How FourLeaf Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where FourLeaf Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FourLeaf Federal Credit Union
5.53%APR
- Terms
- up to 96 months
- Discount
- None included
New Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
FourLeaf Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.53%
- Used vehicleUsed5.88%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FourLeaf 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 Lease Buyout
Financing to purchase a leased vehicle at lease-end. Leases from Ford, Nissan, and Infiniti are not eligible for buyouts. Requires credit and collateral approval. Membership required by opening a $5.00 share savings account prior to closing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.88% | Rate applies to pre-owned/used lease buyouts assuming excellent credit, a 60-month term, and LTV of 90% or less. Extended terms up to 84 months (up to 96 months for new vehicles) and LTV up to 115% available at higher rates. No payments for 90 days (interest accrues). |
Sources (1)
- fourleaffcu.com/vehicle-auto-loans · captured Oct 5, 2026
Auto Refinance
Loan rates and terms apply to Used or Refinance Vehicles. A Used or Refinance Vehicle is any vehicle that has been previously titled and is no more than 9 model years older than the current model year. Older model years may have additional term restrictions (maximum loan term for model years 8-9 years old is 63 months). Subject to credit and collateral approval. Membership required by opening a $5.00 savings account at or prior to loan consummation. FourLeaf does not currently offer Auto Refinancing in Louisiana. Auction site purchases excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.88% | Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 84 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. For vehicles that are 8-9 model years old, maximum term is 63 months and maximum LTV is 100%. If refinancing to a longer term, monthly payments may decrease but total interest paid over the life of the loan may increase. Interest accrues during 90-day payment deferral. |
New Auto Loan
Loan rates and terms apply only to New Vehicles (any vehicle that has never been titled). Subject to credit and collateral approval. Membership required by opening a $5.00 savings account at or prior to loan consummation. Auction site purchases excluded. Refinancing not offered in Louisiana.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 5.53% | Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 96 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. Optional payment deferral allows interest to accrue during 90-day period. |
Sources (1)
- fourleaffcu.com/vehicle-auto-loans · captured Oct 16, 2026
Used Auto Loan
Loan rates and terms apply to Used or Refinance Vehicles. A Used or Refinance Vehicle is any vehicle that has been previously titled and is no more than 9 model years older than the current model year. Older model years may have additional term restrictions (maximum loan term for model years 8-9 years old is 63 months). Subject to credit and collateral approval. Membership required by opening a $5.00 savings account at or prior to loan consummation. Auction site purchases excluded. Refinancing not offered in Louisiana.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.88% | Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 84 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. For vehicles that are 8-9 model years old, maximum term is 63 months and maximum LTV is 100%. Optional payment deferral allows interest to accrue during 90-day period. |
Sources (1)
- fourleaffcu.com/vehicle-auto-loans · captured Oct 16, 2026
Who can join FourLeaf Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone across the country under an open charter.
Cost to join
- Opening and maintaining a $5.00 share in a FourLeaf Savings Account is required for membership.
Membership information collected October 5, 2026.