Credit union · NCUA insured
Nassau Financial Federal Credit Union Auto Loan Rates
Nassau Financial Federal Credit Union auto loans start at 5.14% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Nassau Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Nassau Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nassau Financial Federal Credit Union
5.14%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Nassau Financial Federal Credit Union auto loan score
74
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.14%
- 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 Nassau Financial 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.
Classic Car Loan
As low as APR. Minimum loan amount is $5,000 and assumes discounts for Auto Pay and Direct Deposit. Vehicle model must be 25 years or older. Financing up to 100% LTV.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | 60 Months. |
Sources (2)
All captured Oct 16, 2026
Lease Buyout
Finance the lease payoff to purchase the current leased vehicle.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Rates as low as 5.24% APR*. |
Sources (1)
- nassaufinancial.org/personal/borrow/auto-loans · captured Oct 16, 2026
Motorcycle Loan
Rate offered for motorcycle financing under recreational loans. Assumes membership requirements ($5 deposit into Share Savings Account).
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 7.29% | 24 to 60 Months term. |
Sources (1)
- nassaufinancial.org/personal/borrow/rates · captured Oct 16, 2026
New Auto Loan
To qualify as new, vehicle must be current model year or one-year prior model with less than 5,000 miles. Minimum loan amount is $5,000 ($50,000 for 96-month term). Rates assume LTV 90% or less and discounts for Auto Pay & Direct Deposit. An additional 0.25% APR may apply on loan amounts over $100,000. Membership required ($5 Share Savings deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.14% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
| up to 72 months | 5.14% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
| up to 84 months | 5.84% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
| up to 96 months | 6.74% | Minimum loan amount is $50,000. Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
Sources (2)
All captured Oct 16, 2026
Used Auto Loan
Vehicles 8 to 9 years old must have a maximum of 90,000 miles at application. Minimum loan amount is $5,000. Rates assume LTV 90% or less and discounts for Auto Pay & Direct Deposit. An additional 0.25% APR may apply on loan amounts over $100,000. Membership required ($5 Share Savings deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
| up to 72 months | 5.24% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
| up to 84 months | 6.14% | Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. |
Sources (2)
All captured Oct 16, 2026
Who can join Nassau Financial 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
- Individuals who live, work, worship, attend school, or volunteer in Nassau County and portions of Suffolk County, New York are eligible for membership.
Family and household
- Eligible members of the immediate family (including stepparents, stepchildren, step-siblings, and adoptive relationships) or household of qualifying individuals are eligible for membership.
Membership information collected October 5, 2026.