Credit union · NCUA insured
Mohawk Valley Federal Credit Union Auto Loan Rates
Mohawk Valley Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Mohawk Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where Mohawk Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mohawk Valley Federal Credit Union
4.49%APR
- Terms
- 49–66 months
New Auto Loans (2 Years Old & Newer)
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Mohawk Valley Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.49%
- 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 Mohawk 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.
Auto Loan Refinance
Refinance existing auto loan from another lender. APR based on creditworthiness and term of loan. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rates as low as 3.99% APR |
New Auto Loans (2 Years Old & Newer)
For vehicles 2 years old & newer. APR based on creditworthiness and term of loan. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Credit Grade A+ (730+) |
| 49–66 months | 4.49% | Credit Grade A+ (730+) |
| 67–75 months | 4.99% | Credit Grade A+ (730+) |
| 76–84 months | 5.75% | Credit Grade A+ (730+) |
| up to 48 months | 4.74% | Credit Grade A (680–729) |
| 49–66 months | 4.99% | Credit Grade A (680–729) |
| 67–75 months | 5.49% | Credit Grade A (680–729) |
| 76–84 months | 6.84% | Credit Grade A (680–729) |
| up to 48 months | 7.09% | Credit Grade B (640–679) |
| 49–66 months | 7.34% | Credit Grade B (640–679) |
| 67–75 months | 7.84% | Credit Grade B (640–679) |
| 76–84 months | 9.19% | Credit Grade B (640–679) |
| up to 48 months | 9.34% | Credit Grade C (600–639) |
| 49–66 months | 9.59% | Credit Grade C (600–639) |
| 67–75 months | 10.09% | Credit Grade C (600–639) |
| up to 48 months | 11.64% | Credit Grade D (550–599) |
| 49–66 months | 11.89% | Credit Grade D (550–599) |
| up to 48 months | 15.64% | Credit Grade E (<549) |
| 49–66 months | 15.89% | Credit Grade E (<549) |
Sources (1)
- mohawkvalleyfcu.org/rates · captured Oct 7, 2026
Used Auto Loans (3 to 6 Years Old)
For vehicles 3 to 6 years old. APR based on creditworthiness and term of loan. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Credit Grade A+ (730+) |
| 49–66 months | 5.24% | Credit Grade A+ (730+) |
| 67–75 months | 5.74% | Credit Grade A+ (730+) |
| 76–84 months | 6.24% | Credit Grade A+ (730+) |
| up to 48 months | 5.49% | Credit Grade A (680–729) |
| 49–66 months | 5.74% | Credit Grade A (680–729) |
| 67–75 months | 6.24% | Credit Grade A (680–729) |
| 76–84 months | 6.74% | Credit Grade A (680–729) |
| up to 48 months | 8.19% | Credit Grade B (640–679) |
| 49–66 months | 8.44% | Credit Grade B (640–679) |
| 67–75 months | 8.94% | Credit Grade B (640–679) |
| 76–84 months | 9.44% | Credit Grade B (640–679) |
| up to 48 months | 10.44% | Credit Grade C (600–639) |
| 49–66 months | 10.69% | Credit Grade C (600–639) |
| 67–75 months | 11.19% | Credit Grade C (600–639) |
| up to 48 months | 12.69% | Credit Grade D (550–599) |
| 49–60 months | 12.94% | Credit Grade D (550–599) term 49–60 months |
| up to 48 months | 15.69% | Credit Grade E (<549) |
| 49–60 months | 15.94% | Credit Grade E (<549) term 49–60 months |
Sources (1)
- mohawkvalleyfcu.org/rates · captured Oct 7, 2026
Used Vehicles (7+ Years Old)
For dependable used vehicles 7+ years old. APR based on creditworthiness and term of loan. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.41% | Credit Grade A+ (730+) |
| 49–60 months | 7.65% | Credit Grade A+ (730+) |
| up to 48 months | 7.91% | Credit Grade A (680–729) |
| 49–60 months | 8.39% | Credit Grade A (680–729) |
| up to 48 months | 8.91% | Credit Grade B (640–679) |
| 49–60 months | 9.35% | Credit Grade B (640–679) |
| up to 48 months | 11.16% | Credit Grade C (600–639) |
| 49–60 months | 11.40% | Credit Grade C (600–639) |
| up to 48 months | 13.41% | Credit Grade D (550–599) |
| 49–60 months | 13.65% | Credit Grade D (550–599) |
| up to 48 months | 17.25% | Credit Grade E (<549) |
| 49–60 months | 17.25% | Credit Grade E (<549) |
Sources (1)
- mohawkvalleyfcu.org/rates · captured Oct 7, 2026
Who can join Mohawk Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and family members of Moody's Polaris or Inserra's Flooring are eligible to join.
Military, government and schools
- Employees, retirees, and family members of SUNY POLY and SUNY Morrisville are eligible to join.
- Employees, retirees, and family members of the Town of Marcy, Town of New Hartford, or Village of New Hartford are eligible to join.
- Employees and retirees of the State of New York working in Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, or Otsego Counties, NY, as well as their immediate family members and organizations of such persons, are eligible to join.
Family and household
- Immediate family members (parent, spouse, child, sibling, grandparent, grandchild, aunt, uncle, cousin, or in-law) of an existing member are eligible to join.
Cost to join
- An initial $5 Share Savings deposit is required to open an account.
Membership information collected October 5, 2026.