Credit union · NCUA insured
Local 804 Federal Credit Union Auto Loan Rates
Local 804 Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Local 804 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Local 804 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 804 Federal Credit Union
3.99%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
New Auto/Motorcycle Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Local 804 Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 804 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.
New Auto/Motorcycle Loan
Under 2 years. Flexible terms up to 84 months. 100% financing of purchase price. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99%–17.99% | New models under 2 years old; terms up to 84 months; 100% financing. |
Used Auto/Motorcycle Loan
Flexible terms up to 84 months. 100% financing of purchase price on used vehicles. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.24%–17.99% | Terms up to 84 months; 100% financing. |
Who can join Local 804 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of Local 447 IAMAW.
- Membership is open to members and employees of Local 804 IBT.
- Membership is open to members and employees of Local 808 IBT.
Family and household
- Membership is open to family members of Local 804 FCU members / eligible union members and employees.
Cost to join
- A minimum deposit of $5.00 is required to open an account.
Membership information collected October 5, 2026.