Credit union · NCUA insured
I AM Federal Credit Union Auto Loan Rates
I AM Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How I AM Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where I AM Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
I AM Federal Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
I AM Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where I AM 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
Rates as low as 4.99%, dependent upon creditworthiness, credit history, and other factors. No maximum loan amount.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as 4.99%, dependent upon creditworthiness, credit history and other factors. No maximum loan amounts. |
| up to 84 months | 15.00% | New Car Loans; example amount $40,000, monthly payment $772.14. |
| up to 84 months | 5.00% | Used Car Loans; example amount $55,000, monthly payment $777.48. |
Sources (3)
All captured Oct 5, 2026
Auto Refinancing
Dependent upon creditworthiness, credit history. Minimum loan amount: $10,000. No maximum loan amount. Maximum Term of 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rates as low as 4.99%, dependent upon creditworthiness, credit history. Minimum loan amount $10,000, no maximum loan amount. Maximum Term of 84 months. |
Sources (1)
- iamfedcu.org/loans/auto-loans · captured Oct 5, 2026
Who can join I AM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.