Credit union · NCUA insured
Genesee Valley FCU Auto Loan Rates
Genesee Valley FCU auto loans start at 5.74% APR for a new vehicle and 5.84% for a used one. Rates checked October 16, 2026.
How Genesee Valley FCU’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Genesee Valley FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Genesee Valley FCU
5.74%APR
- Terms
- up to 72 months
New Vehicle (2026/2025 Models)
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Genesee Valley FCU auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Genesee Valley FCU 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.
Model Year 2019 and Older
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.74% | — |
| up to 36 months | 7.74% | — |
| up to 48 months | 7.74% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Model Year 2020
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.74% | — |
| up to 36 months | 6.74% | — |
| up to 48 months | 6.74% | — |
| up to 60 months | 6.94% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Model Year 2021
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.44% | — |
| up to 36 months | 6.44% | — |
| up to 48 months | 6.44% | — |
| up to 60 months | 6.44% | — |
| up to 66 months | 6.64% | — |
| up to 72 months | 6.74% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Model Year 2022
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.24% | — |
| up to 36 months | 6.24% | — |
| up to 48 months | 6.24% | — |
| up to 60 months | 6.24% | — |
| up to 66 months | 6.44% | — |
| up to 72 months | 6.54% | — |
| 73–84 months | 7.44% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Model Year 2023
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.94% | — |
| up to 36 months | 5.94% | — |
| up to 48 months | 5.94% | — |
| up to 60 months | 5.94% | — |
| up to 66 months | 6.14% | — |
| up to 72 months | 6.24% | — |
| 73–84 months | 7.14% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Model Year 2024
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.84% | — |
| up to 36 months | 5.84% | — |
| up to 48 months | 5.84% | — |
| up to 60 months | 5.84% | — |
| up to 66 months | 5.84% | — |
| up to 72 months | 5.84% | — |
| 73–84 months | 6.74% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
New Vehicle (2026/2025 Models)
Subject to credit approval. Preferred Tiered credit scoring. VSI insurance is required on vehicle loans. Rates are APR and can be as low as, but not guaranteed at the shown rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.74% | — |
| up to 36 months | 5.74% | — |
| up to 48 months | 5.74% | — |
| up to 60 months | 5.74% | — |
| up to 66 months | 5.74% | — |
| up to 72 months | 5.74% | — |
| 73–84 months | 6.64% | — |
Sources (1)
- geneseevalleyfcu.com/borrow/loan-rates · captured Oct 16, 2026
Who can join Genesee Valley FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, go to school, or volunteer in Livingston or Wyoming Counties.
Family and household
- Immediate family members (grandparents, parents, spouse, children, grandchildren, and siblings) of members are eligible for membership.
Cost to join
- A minimum $5.00 deposit to a savings account is needed to establish membership.
Membership information collected October 5, 2026.