Credit union · NCUA insured
Hudson River Community Credit Union Auto Loan Rates
Hudson River Community Credit Union auto loans start at 5.50% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Hudson River Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where Hudson River Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hudson River Community Credit Union
5.50%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Standard Auto Loan
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
Hudson River Community Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hudson River Community 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.
GREENLight Auto Loan
Lease-style payment structure with full ownership and no upfront costs or early termination fees. Offers for eligible HRCCU members for new/used auto loans. Rates listed are for $3,001 minimum amount financed and include a 0.25% APR discount for automatic payments. Requires credit score of 740+. VSI insurance payment of $250 applies. A credit report fee of $5.00 may be charged. Rate guaranteed for 30 days from application approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Vehicle Models 2022-2026; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 36 months | 6.75% | Vehicle Models 2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 48 months | 5.50% | Vehicle Models 2022-2026; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 48 months | 7.00% | Vehicle Models 2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 60 months | 5.75% | Vehicle Models 2022-2026; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 60 months | 7.25% | Vehicle Models 2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 72 months | 6.00% | Vehicle Models 2022-2026; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 72 months | 8.25% | Vehicle Models 2021; includes 0.25% APR auto pay discount; credit score 740+ |
Standard Auto Loan
Offers for eligible HRCCU members for new/used vehicle loans. Rates listed are for $3,001 minimum amount financed and include a 0.25% APR discount for automatic payments. Requires credit score of 740+. 84-month term is for new vehicles only. VSI insurance payment of $150 (2025 disclosure) or $250 (2026 disclosure) per car or truck loan applies. A credit report fee of $5.00 may be charged. Rate guaranteed for 30 days from application approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.50% | Vehicle Models 2019-2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 24 months | 8.00% | Vehicle Models 2018 & Older; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 36 months | 4.25% | Vehicle Models 2022-2026 (or 2022-2027); includes 0.25% APR auto pay discount; credit score 740+ |
| up to 36 months | 5.75% | Vehicle Models 2019-2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 36 months | 8.25% | Vehicle Models 2018 & Older; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 48 months | 4.50% | Vehicle Models 2022-2026 (or 2022-2027); includes 0.25% APR auto pay discount; credit score 740+ |
| up to 48 months | 6.00% | Vehicle Models 2019-2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 48 months | 8.50% | Vehicle Models 2018 & Older; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 60 months | 4.75% | Vehicle Models 2022-2026 (or 2022-2027); includes 0.25% APR auto pay discount; credit score 740+ |
| up to 60 months | 6.25% | Vehicle Models 2019-2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 72 months | 5.00% | Vehicle Models 2022-2026 (or 2022-2027); includes 0.25% APR auto pay discount; credit score 740+ |
| up to 72 months | 7.25% | Vehicle Models 2019-2021; includes 0.25% APR auto pay discount; credit score 740+ |
| up to 84 months | 5.50% | Vehicle Models 2022-2026 (or 2022-2027); new vehicles only; includes 0.25% APR auto pay discount; credit score 740+ |
Who can join Hudson River Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.