Credit union · NCUA insured
Neighborhood Trust FCU Auto Loan Rates
Top CarrotNeighborhood Trust FCU auto loans start at 4.68% APR for a new vehicle and 4.68% for a used one. Rates checked October 16, 2026.
How Neighborhood Trust FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Neighborhood Trust FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Neighborhood Trust FCU
4.68%APR
- Terms
- up to 72 months
- Up to
- 10.84% APR
- Discount
- None included
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Neighborhood Trust FCU auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.68%
- Used vehicleUsed4.68%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Neighborhood Trust FCU 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 Loans
Purchasing a new or pre-owned vehicle, or refinancing. Up to $35,000. Financing up to 80% for purchases or 100% when refinancing. Maximum selling price capped at Kelley Blue Book value. Rate based on creditworthiness and term of loan. Minimum credit score of 601. Rates subject to change at any time and not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.68%–10.84% | Rate based on creditworthiness and term of loan. Up to 72 month terms. Minimum credit score of 601. $20 application fee. No pre-payment penalties. Amount: up to $35,000. Financing up to 80% for purchases or 100% when refinancing. |
Sources (1)
- neighborhoodtrustfcu.org/auto-loans · captured Oct 16, 2026
Who can join Neighborhood Trust FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.