Credit union · NCUA insured
Money Federal Credit Union Auto Loan Rates
Money Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Money Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Money Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Money Federal Credit Union
3.99%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- None included
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
- Discount
- None included
Money Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Money 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.
Lease Buyouts
Credit score determines rate. Rate shown includes 0.25% automatic payment discount.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | USED AUTO RATES as low as 4.99%. Rate shown includes 0.25% automatic payment discount. Credit score determines rate. |
Sources (1)
- moneyfcu.org/auto-financing-motorcycle-financing · captured Oct 5, 2026
Motorcycle Loans
Rate shown includes 0.25% automatic payment discount. See Rates page for maximum terms and minimum loan amounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate shown includes 0.25% automatic payment discount. See Rates page for maximum terms and minimum loan amounts. |
Sources (1)
- moneyfcu.org/auto-financing-motorcycle-financing · captured Oct 5, 2026
New Auto Loans
Considered current model year or 1 year prior, as long as it has never been titled. Credit score determines rate. Rate shown includes 0.25% automatic payment discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Rate shown includes 0.25% automatic payment discount. Credit score determines rate. Financing up to 7 years (84 months). |
Sources (1)
- moneyfcu.org/auto-financing-motorcycle-financing · captured Oct 5, 2026
Used Auto Loans
Credit score determines rate. Rate shown includes 0.25% automatic payment discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rate shown includes 0.25% automatic payment discount. Financing up to 7 years (84 months). |
Sources (1)
- moneyfcu.org/auto-financing-motorcycle-financing · captured Oct 5, 2026
Who can join Money 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
- To qualify for a business bank account, applicants must prove residency and business ownership in Onondaga, Oswego, Cayuga, or Madison county.
Cost to join
- The minimum deposit to open a business bank account is $5.
Membership information collected October 5, 2026.