Credit union · NCUA insured
Hoboken School Employees Federal Credit Union Auto Loan Rates
Top CarrotHoboken School Employees Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Hoboken School Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Hoboken School Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hoboken School Employees Federal Credit Union
3.99%APR
- Terms
- up to 84 months
- Up to
- 12.50% APR
- Discount
- None included
Auto Loans -- New or Used Under 3 years
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Hoboken School Employees Federal Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hoboken School Employees 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 -- New or Used Under 3 years
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99%–12.50% | — |
| up to 48 months | 3.99%–12.50% | — |
| up to 60 months | 3.99%–12.50% | — |
| up to 72 months | 3.99%–12.50% | — |
| up to 84 months | 3.99%–12.50% | — |
Older or High Mileage Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00%–13.50% | — |
| up to 48 months | 5.25%–13.50% | — |
| up to 60 months | 5.50%–13.50% | — |
Who can join Hoboken School Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hoboken Elks Lodge #74 members are eligible to join.
Military, government and schools
- Hoboken Board of Education employees are eligible to join.
- Hoboken Parking Authority employees are eligible to join.
Family and household
- Families of eligible groups (Hoboken Board of Education employees, Hoboken Elks Lodge #74 members, and Hoboken Parking Authority employees) are eligible to join.
Membership information collected October 5, 2026.