Credit union · NCUA insured
NYU Federal Credit Union Auto Loan Rates
Top CarrotNYU Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How NYU Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where NYU Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NYU Federal Credit Union
4.75%APR
- Terms
- 49–60 months
- Up to
- 8.25% APR
- Discount
- None included
New Electric Vehicles
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
NYU Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NYU 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.
Motorcycles
Financed in NY, NJ, FL, MA, MD, VA, PA only; motorcycle must be registered in these states. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Refinancing not available on existing NYU FCU motorcycle loans. For new motorcycle loans, in case of refinance must be done within 6 months of initial purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00%–11.00% | Credit tiers A+ through D (Credit scores 550+) |
| 37–48 months | 7.00%–10.00% | Credit tiers A+ through B (Credit scores 650+) |
| 49–60 months | 8.00%–11.00% | Credit tiers A+ through B (Credit scores 650+) |
Sources (1)
- nyufcu.com/auto-loans · captured Oct 16, 2026
New Electric Vehicles
Electric Vehicles must possess the Plug-In feature with an external charging source. This includes Electric Vehicles (EVs), Plug-in Hybrid Electric Vehicles (PHEVs), and Electric Plug-in Motorcycles. We finance cars only in NY, NJ, FL, MA, MD, VA and PA. Vehicle must be registered in NY, NJ, FL, MA, MD, VA and PA. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Refinancing not available on existing NYU FCU auto loans. For new auto loans, in case of refinance must be done within 6 months of initial purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.75%–8.75% | Credit tiers A+ through D (Credit scores 550+) |
| 49–60 months | 4.75%–8.25% | Credit tiers A+ through C (Credit scores 600+) |
| 61–72 months | 5.25%–9.25% | Credit tiers A+ through C (Credit scores 600+) |
| 73–84 months | 5.75%–8.75% | Credit tiers A+ through B (Credit scores 650+) |
Sources (1)
- nyufcu.com/auto-loans · captured Oct 16, 2026
New Vehicles
Car model years 2026, 2025, and 2024 are considered new cars when purchased from a dealership with less than 500 miles on the odometer. We finance cars only in NY, NJ, FL, MA, MD, VA and PA. Vehicle must be registered in NY, NJ, FL, MA, MD, VA and PA. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Refinancing not available on existing NYU FCU auto loans. Refinancing must be done within 6 months of initial purchase to be considered NEW.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00%–9.50% | Credit tiers A+ through D (Credit scores 550+) |
| 49–60 months | 5.00%–9.00% | Credit tiers A+ through C (Credit scores 600+) |
| 61–72 months | 6.00%–10.00% | Credit tiers A+ through C (Credit scores 600+) |
| 73–84 months | 6.50%–9.50% | Credit tiers A+ through B (Credit scores 650+) |
Sources (1)
- nyufcu.com/auto-loans · captured Oct 16, 2026
Used Electric Vehicles
Electric Vehicles must possess the Plug-In feature with an external charging source. This includes Electric Vehicles (EVs), Plug-in Hybrid Electric Vehicles (PHEVs), and Electric Plug-in Motorcycles. Rates for vehicle loans are subject to change without notice. We finance cars only in NY, NJ, FL, MA, MD, VA and PA. Vehicle must be registered in NY, NJ, FL, MA, MD, VA and PA. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Add 0.25% to rate if vehicle has more than 75,000 miles. Add 1.00% to rate if vehicle is older than 4 years. Add 1.25% to rate if vehicle is both over 75,000 miles and 5 years through 10 years old. NYU FCU does not finance vehicles over 10 years old. Refinancing not available on existing NYU FCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75%–10.25% | Credit tiers A+ through D (Credit scores 550+) |
| 49–60 months | 5.25%–10.25% | Credit tiers A+ through C (Credit scores 600+) |
| 61–72 months | 5.75%–8.25% | Credit tiers A+ through B (Credit scores 650+) |
Sources (1)
- nyufcu.com/auto-loans · captured Oct 16, 2026
Used Vehicles
Rates with automated payments. Rates for vehicle loans are subject to change without notice. We finance cars only in NY, NJ, FL, MA, MD, VA and PA. Vehicle must be registered in NY, NJ, FL, MA, MD, VA and PA. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA. Add 0.25% to rate if vehicle has more than 75,000 miles. Add 1.00% to rate if vehicle is older than 4 years. Add 1.25% to rate if vehicle is both over 75,000 miles and 5 years through 10 years old. NYU FCU does not finance vehicles over 10 years old. Refinancing not available on existing NYU FCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–11.00% | Credit tiers A+ through D (Credit scores 550+); Rates with automated payments |
| 49–60 months | 6.00%–11.00% | Credit tiers A+ through C (Credit scores 600+); Rates with automated payments |
| 61–72 months | 6.50%–9.00% | Credit tiers A+ through B (Credit scores 650+); Rates with automated payments |
Sources (1)
- nyufcu.com/auto-loans · captured Oct 16, 2026
Who can join NYU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- U.S. consumers can join NYU FCU nationwide via complimentary enrollment in the American Consumer Council (ACC).
Military, government and schools
- Faculty, staff, administrators, employees, students, alumni, and retirees of New York University and the NYU hospital system are eligible for membership.
Family and household
- Family members through direct familial relationships or individuals sharing at least 50% of household expenses with NYU FCU members are eligible for membership.
Membership information collected October 5, 2026.