Credit union · NCUA insured
Gates Chili Federal Credit Union Auto Loan Rates
Gates Chili Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Gates Chili Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Gates Chili Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gates Chili Federal Credit Union
4.99%APR
Auto Loans
Lowest rate
Ontario Shores FCU
3.90%APR
2nd-lowest rate
Brockport FCU
3.99%APR
Gates Chili Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gates Chili 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 Loans
Financing up to 100% including taxes and fees with flexible terms. Dealer rate match program available on new and used vehicles with written offer. Pre-approvals good for 90 days and lock in rate at application. Credit score improvement program allows members to review credit score after 6 months for a $25 fee to adjust rate downward if score improves. Financing available to qualified borrowers; terms and conditions subject to credit union approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Rates subject to change at any time. |
Motorcycle Loans
Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.50% | Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates subject to change at any time. |
Sources (1)
- gateschilifcu.org/rates · captured Oct 7, 2026
Who can join Gates Chili 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
- Membership is open to anyone who lives, works, worships, attends school, or actively volunteers in the towns of Gates or Chili.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 5, 2026.