Credit union · NCUA insured
Mid-Hudson Valley Federal Credit Union Auto Loan Rates
Mid-Hudson Valley Federal Credit Union auto loans start at 5.69% APR for a new vehicle and 5.89% for a used one. Rates checked October 16, 2026.
How Mid-Hudson Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Mid-Hudson Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid-Hudson Valley Federal Credit Union
5.69%APR
- Terms
- 37–66 months
- Discount
- Included in the rate
New Vehicles Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Mid-Hudson Valley Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.69%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid-Hudson Valley 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.
Car Loan Refinancing
No refinancing fees. Rate reflects a 0.25% discount for automatic payments from an MHV Checking or Savings account. Full insurance coverage required listing MHV as loss payee with deductible max $1,000.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.89% | As low as rate. Rate special effective 10/1/2026, reflects a 0.25% discount for automatic payments from your MHV account. Rates vary based on credit, term of loan, and/or year of vehicle. |
Sources (1)
- mhvfcu.com/personal/borrow/refinance · captured Oct 5, 2026
New Vehicles Auto Loan
Terms from 1 to 84 months. No pre-payment penalty. 45-day rate lock upon pre-approval. 0.25% interest rate discount available with autopay from an MHV account.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.99% | Rates as low as for up to 36 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle. |
| 37–66 months | 5.69% | Rates as low as for 37-66 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle. |
Sources (1)
- mhvfcu.com/personal/borrow/purchase · captured Oct 5, 2026
Used Vehicles Auto Loan
Terms from 1 to 84 months. No pre-payment penalty. 45-day rate lock upon pre-approval. 0.25% interest rate discount available with autopay from an MHV account.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.89% | Rates as low as for up to 36 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle. |
| 37–66 months | 5.89% | Rates as low as for 37-66 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle. |
Sources (1)
- mhvfcu.com/personal/borrow/purchase · captured Oct 5, 2026
Who can join Mid-Hudson Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester County, New York.
Family and household
- Membership is open to immediate family and household members of MHV members.
Other ways
- Businesses located in the seven served counties can open business accounts.
Cost to join
- Establishing membership requires a minimum deposit of $5 into a Regular Savings account as an ownership share.
Membership information collected October 5, 2026.