Oneida County Federal Credit Union Auto Loan Rates

How Oneida County Federal Credit Union’s auto loan rates compare

New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.

Lowest auto loan rates

Every rate

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.

Vehicle model years 2024 to 2027. All loans must stay within credit loan guidelines and approval by credit union policy.

Sources (1)

All loans must stay within credit loan guidelines and approval by credit union policy.

Terms	APR	Conditions
up to 36 months	8.75%	Vehicle model years 2014 to 2016.
up to 36 months	5.00%	Vehicle model years 2017 to 2023.
37–48 months	5.25%	Vehicle model years 2017 to 2023.
49–84 months	5.50%	—
up to 84 months	5.00%	Finance $40,000 up to $65,000 with a term of 84 months.

Sources (1)

Auto loan score

Higher than 60% of U.S. banks and credit unions

By vehicle

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

This may be incomplete or out of date, so check with the credit union before you apply.

Current or former employees of Central New York Abstract Corporation (in the Oneida County Clerk's Office) are eligible for membership.

Current or former employees of specified government and municipal entities (Oneida County, Water Board, Village of Clinton, Village of Yorkville, Village of Waterville, Village of Whitesboro, Town of New Hartford, City Of Utica, State of New York (Courts), Municipal Housing Authority, Village of New Hartford, Town of Vienna, New York Mills, Oneida County Solid Waste Authority) are eligible for membership.

Immediate family members of current or former employees of qualifying employer and municipal groups are eligible for membership.

Membership information collected October 5, 2026.