Credit union · NCUA insured
Hudson Valley Credit Union Auto Loan Rates
Hudson Valley Credit Union auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 16, 2026.
How Hudson Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Hudson Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hudson Valley Credit Union
5.64%APR
- Terms
- up to 84 months
Vehicle Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Hudson Valley Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hudson Valley 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.
Vehicle Loans
Rates are as low as stated, subject to applicant credit and total amount financed. Rate is discounted by .25% with automatic transfer from savings, checking, or tiered money market account for the life of the loan. Rates accurate as of 10/01/2026. Rate is also based on selected term, vehicle model year, mileage, and LTV. Financing terms up to 7 years (84 months) on new and used vehicles and financing up to 125% of LTV. Membership requires opening a Primary savings account with $0.01 when funded. Excludes vehicle refinances, vintage vehicles, and leases from 90-day payment deferral offer.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.64% | Fixed APR for New & Used (model year 2024 & newer). Up to 125% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation. |
| up to 84 months | 6.04% | Fixed APR for Used (model year 2020 - 2023). Up to 125% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation. |
| up to 84 months | 8.34% | Fixed APR for Used (model year 2017 - 2019). Up to 100% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation. |
| — | 8.34% | Fixed APR for Used (vintage/classic vehicles 25 yrs+). Up to 75% of LTV. Rate includes 0.25% autopay discount. Rates as low as stated based on credit evaluation. Excluded from 90-day payment deferral offer. |
Sources (2)
All captured Oct 16, 2026
Who can join Hudson Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.