Bank · FDIC insured
Massena Savings & Loan Association Auto Loan Rates
Massena Savings & Loan Association auto loans start at 5.75% APR for a new vehicle and 7.75% for a used one. Rates checked October 16, 2026.
How Massena Savings & Loan Association’s auto loan rates compare
Compared with banks and credit unions near Massena, NY, where Massena Savings & Loan Association has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Massena Savings & Loan Association
5.75%APR
- Terms
- up to 72 months
- Up to
- 8.75% APR
Auto - New
Lowest rate
Northern Credit Union
4.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Twin Rivers Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
Massena Savings & Loan Association auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed7.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Massena Savings & Loan Association ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto - New
Rate will be determined by credit score: Tier 1 (700 and above) receives stated base rate, Tier 2 (650-699) add 1%, Tier 3 (649 and below) add 3%. Joint applicants based on higher score. VSI Insurance (55/80/95) applied based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.75%–8.75% | Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2027-2024. Tier 1 (score 700+) rate is 5.75%, Tier 2 (650-699) adds 1% (6.75%), Tier 3 (649 and below) adds 3% (8.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score. |
Sources (1)
- massenasavingsloan.com/pages/loan-rates · captured Oct 5, 2026
Auto - Used
Rate will be determined by credit score: Tier 1 (700 and above) receives stated base rate, Tier 2 (650-699) add 1%, Tier 3 (649 and below) add 3%. Joint applicants based on higher score. VSI Insurance (55/80/95) applied based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.75%–10.75% | Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2023-2019. Tier 1 (score 700+) rate is 7.75%, Tier 2 (650-699) adds 1% (8.75%), Tier 3 (649 and below) adds 3% (10.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score. |
| up to 48 months | 8.50%–11.50% | Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2018 - Older. Tier 1 (score 700+) rate is 8.50%, Tier 2 (650-699) adds 1% (9.50%), Tier 3 (649 and below) adds 3% (11.50%). Joint applicants based on higher score. VSI Insurance applied based on credit score. |
Sources (1)
- massenasavingsloan.com/pages/loan-rates · captured Oct 5, 2026
Opening an account
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