Credit union · NCUA insured
Inner Lakes Federal Credit Union Auto Loan Rates
Top CarrotInner Lakes Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Inner Lakes Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jamestown, NY, where Inner Lakes Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Inner Lakes Federal Credit Union
4.74%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
Inner Lakes Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Inner Lakes 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
APR as low as shown without autopay discount. With autopay, rates may be as low as 3.74% APR. 84-month terms subject to conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Vehicle year 2023–2026. Without autopay discount. |
| up to 48 months | 4.74% | Vehicle year 2023–2026. Without autopay discount. |
| up to 60 months | 4.74% | Vehicle year 2023–2026. Without autopay discount. |
| up to 72 months | 5.49% | Vehicle year 2023–2026. Without autopay discount. |
| up to 84 months | 6.50% | Vehicle year 2023–2026. Without autopay discount. Conditions apply. |
| up to 36 months | 5.49% | Vehicle year 2022 and older. Without autopay discount. |
| up to 48 months | 6.25% | Vehicle year 2022 and older. Without autopay discount. |
| up to 60 months | 6.25% | Vehicle year 2022 and older. Without autopay discount. |
| up to 72 months | 6.75% | Vehicle year 2022 and older. Without autopay discount. |
Who can join Inner Lakes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.