Credit union · NCUA insured
Leatherstocking Credit Union Auto Loan Rates
Top CarrotLeatherstocking Credit Union auto loans start at 3.99% APR for a new vehicle and 4.89% for a used one. Rates checked October 16, 2026.
How Leatherstocking Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oneonta, NY, where Leatherstocking Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Leatherstocking Credit Union
3.99%APR
- Terms
- 1–72 months
New Auto Loans
2nd-lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
3rd-lowest rate
Sidney FCU
5.59%APR
- Terms
- up to 60 months
Leatherstocking Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Leatherstocking 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 Loan Refinance
Refinance from another lender. Current LCU loans excluded. Rate quoted is for A or A+ credit with term of 36 months or less for vehicle model year 2022 or newer. All loans subject to approval. Rate based on credit worthiness, term of loan, and vehicle model year.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.39% | For A or A+ credit with term of 36 months or less for vehicle model year 2022 or newer. Current LCU loans excluded. |
Sources (1)
- lsrfcu.org/loans · captured Oct 7, 2026
New Auto Loans
Must live, work, worship, attend school, or regularly conduct business in Otsego, Chenango, Delaware, Herkimer, Madison, Montgomery, or Schoharie counties in New York. Membership required to fund loan. Rates based on creditworthiness. All loans subject to approval. Current or previous model year, never titled before, less than 500 miles.
| Terms | APR | Conditions |
|---|---|---|
| 1–72 months | 3.99% | — |
| 73–84 months | 4.89% | — |
Sources (1)
- lsrfcu.org/loan-rates · captured Oct 7, 2026
Used Auto (2021 & Older)
Cars, trucks & SUVs. Vehicle model year 2021 & older. Must live, work, worship, attend school, or regularly conduct business in Otsego, Chenango, Delaware, Herkimer, Madison, Montgomery, or Schoharie counties in New York. Membership required to fund loan. Rates based on creditworthiness. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.39% | — |
| 37–72 months | 5.89% | — |
| 73–84 months | 6.19% | — |
Sources (1)
- lsrfcu.org/loan-rates · captured Oct 7, 2026
Used Auto (2022 or Newer)
Cars, Trucks & SUVs. Vehicle model year 2022 or newer. Must live, work, worship, attend school, or regularly conduct business in Otsego, Chenango, Delaware, Herkimer, Madison, Montgomery, or Schoharie counties in New York. Membership required to fund loan. Rates based on creditworthiness. All loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.39% | — |
| 37–72 months | 4.89% | — |
| 73–84 months | 5.19% | — |
Sources (1)
- lsrfcu.org/loan-rates · captured Oct 7, 2026
Who can join Leatherstocking Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.