Credit union · NCUA insured
Oswego County Federal Credit Union Auto Loan Rates
Top CarrotOswego County Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Oswego County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Oswego County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oswego County Federal Credit Union
5.74%APR
- Terms
- 49–60 months
- Up to
- 17.74% APR
New Autos/Motorcycles
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Up to
- —
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
- Up to
- —
Oswego County Federal Credit Union auto loan score
66
Auto loan score
Higher than 16% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oswego County 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.
New Autos/Motorcycles
Secured vehicle loan for model years 2025 & newer. Rates are based on creditworthiness across credit score tiers.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.24%–17.24% | Model year 2025 & newer. Rates range from Base (5.24%) up to +1200 tier (17.24%) depending on credit score. |
| 37–48 months | 5.49%–17.49% | Model year 2025 & newer. Rates range from Base (5.49%) up to +1200 tier (17.49%) depending on credit score. |
| 49–60 months | 5.74%–17.74% | Model year 2025 & newer. Rates range from Base (5.74%) up to +1200 tier (17.74%) depending on credit score. |
| 61–72 months | 5.99%–17.99% | Model year 2025 & newer. Rates range from Base (5.99%) up to +1200 tier (17.99%) depending on credit score. |
| 73–84 months | 6.49%–17.99% | Model year 2025 & newer. Rates range from Base (6.49%) up to +1200 tier (17.99%) depending on credit score. |
Sources (1)
- oswegofcu.org/loans/loan-rates · captured Oct 16, 2026
Used Autos/Motorcycles
Secured vehicle loan for model years 2024 & older. Rates are based on model year, loan term, and creditworthiness across credit score tiers.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.74%–17.74% | Model years 2024-2022. Rates range from Base (5.74%) up to +1200 tier (17.74%) depending on credit score. |
| 37–48 months | 5.99%–17.99% | Model years 2024-2022. Rates range from Base (5.99%) up to +1200 tier (17.99%) depending on credit score. |
| 49–60 months | 6.24%–17.99% | Model years 2024-2022. Rates range from Base (6.24%) up to +1200 tier (17.99%) depending on credit score. |
| 61–72 months | 6.49%–17.99% | Model years 2024-2022. Rates range from Base (6.49%) up to +1200 tier (17.99%) depending on credit score. |
| 1–36 months | 7.99%–17.99% | Model years 2021 & older. Rates range from Base (7.99%) up to +1200 tier (17.99%) depending on credit score. |
| 37–48 months | 8.24%–17.99% | Model years 2021 & older. Rates range from Base (8.24%) up to +1200 tier (17.99%) depending on credit score. |
| 49–60 months | 8.49%–17.99% | Model years 2021 & older with $20,000 minimum loan amount and less than 100,000 miles. Rates range from Base (8.49%) up to +1200 tier (17.99%) depending on credit score. |
Sources (1)
- oswegofcu.org/loans/loan-rates · captured Oct 16, 2026
Who can join Oswego County 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
- Anyone who lives, works, worships, or attends school in Oswego County is eligible to join.
Cost to join
- Membership is free for life, and the first account opened upon joining is a Share Savings Account.
Membership information collected October 5, 2026.