Credit union · NCUA insured
ILA Local 1235 Federal Credit Union Auto Loan Rates
ILA Local 1235 Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How ILA Local 1235 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where ILA Local 1235 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ILA Local 1235 Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
NEW AUTO - 100% DEALER INVOICE
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
ILA Local 1235 Federal Credit Union auto loan score
80
Auto loan score
Higher than 51% of U.S. banks and credit unions
- New vehicleNew4.99%
- 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 ILA Local 1235 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.
CLASSIC/KIT AUTO - 100% N.A.D.A RETAIL
Financing up to 100% NADA retail value. Rates vary based on credit score. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | 100% N.A.D.A retail. Rates as low as 5.99%. Rate varies based on credit score. Subject to change without notice. |
Sources (2)
All captured Oct 4, 2026
NEW AUTO - 100% DEALER INVOICE
Financing available up to 100% of dealer invoice (or sales price excluding sales tax, registration, and insurance). Rates vary based on credit score. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.25% | Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice. |
| up to 48 months | 4.50% | Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice. |
| up to 60 months | 4.99% | Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice. |
| up to 72 months | 5.50% | Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice. |
| up to 84 months | 5.85% | Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice. |
Sources (3)
All captured Oct 4, 2026
NEW MOTORCYCLE - 100% DEALER INVOICE
Financing up to 100% dealer invoice. Rates as low as stated; rate varies based on credit score. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.75% | 100% dealer invoice financing. Rates as low as 6.75%. Rate varies based on credit score. Subject to change without notice. |
Sources (3)
All captured Oct 4, 2026
USED AUTO - YEAR 2018 & Newer 100% N.A.D.A RETAIL
Year 2018 & newer. Financing up to 100% NADA retail value (or up to 80% NADA retail value on general used autos). Used autos with less than 15,000 miles can qualify for lower rates and extended payment terms. Rates vary based on credit score. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Year 2018 & newer. 100% N.A.D.A retail. Rate varies based on credit score. Subject to change without notice. |
| up to 48 months | 5.25% | Year 2018 & newer. 100% N.A.D.A retail. Rate varies based on credit score. Subject to change without notice. |
| up to 60 months | 5.50% | Year 2018 & newer. 100% N.A.D.A retail. Rate varies based on credit score. Subject to change without notice. |
| up to 72 months | 5.75% | Year 2018 & newer. 100% N.A.D.A retail. Rate varies based on credit score. Subject to change without notice. |
| up to 84 months | 6.15% | Year 2018 & newer. 100% N.A.D.A retail. Rate varies based on credit score. Subject to change without notice. |
Sources (3)
All captured Oct 4, 2026
USED MOTORCYCLE - YEAR 2018 & UP 100% N.A.D.A RETAIL
Year 2018 & up. Financing up to 100% NADA retail value. Rates as low as stated; rate varies based on credit score. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.50% | Year 2018 & up. 100% N.A.D.A retail. Rates as low as 7.50%. Rate varies based on credit score. Subject to change without notice. |
Sources (3)
All captured Oct 4, 2026
Who can join ILA Local 1235 Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.