Credit union · NCUA insured
O&R Utilities Employees Federal Credit Union Auto Loan Rates
O&R Utilities Employees Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How O&R Utilities Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where O&R Utilities Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
O&R Utilities Employees Federal Credit Union
4.50%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Autos/Trucks
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
O&R Utilities Employees Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where O&R Utilities Employees 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.
Autos/Trucks
Financing up to 100%, including accessories, taxes, fees, and warranties. Rates include a 25 basis point (0.25%) discount for payroll deduction into checking / automatic payments from share draft checking account. Rates based on credit history and services with Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | As Low As 4.50% APR for Auto, Trucks, Boats, RV's, Motorcycles. Repayment terms available up to 84 Months. Low cost auto loans for both new and used cars. If you have Payroll Deduction into Checking / automatic payments from share draft checking account, rate includes a discount of 25 basis points (0.25%). Rates based on credit history and services with Credit Union. |
Who can join O&R Utilities Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- In 2007 the credit union amended its charter to include all entities dealing in electric power generation, transmission, or distribution in various counties throughout New York, New Jersey, and Pennsylvania.
Cost to join
- To become a member, open a share savings account with a minimum balance of $5.00 and no member fee.
Membership information collected October 5, 2026.