Credit union · NCUA insured
Oswego Teachers Employees Federal Credit Union Auto Loan Rates
Oswego Teachers Employees Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Oswego Teachers Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Oswego Teachers Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Oswego Teachers Employees Federal Credit Union
5.24%APR
- Terms
- up to 66 months
Newer Vehicles (2025-2027)
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Oswego Teachers Employees Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oswego Teachers 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.
Newer Vehicles (2024-2026)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 4.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 4.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 4.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 78 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 84 months | 5.74% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Newer Vehicles (2025-2027)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 78 months | 5.49% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 84 months | 5.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2018-2019)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 6.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 6.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 6.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2020-2021)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 5.74% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 5.74% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 5.74% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2021-2022)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 5.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 5.99% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2022-2023)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 54 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 5.24% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2023-2024)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.49% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
| up to 66 months | 5.49% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Used Vehicles (2025-2027)
Fixed Rate based on Credit Score 680+. For credit scores of 679 or lower, other rates are available. The Auto Loan rate may be reduced by .25% when the member has payroll deduction or direct deposit of Social Security or Pension. Financing up to 100% of the vehicle's value.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 5.49% | Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension. |
Who can join Oswego Teachers Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Oswego Players, Inc. are eligible for membership.
Military, government and schools
- Employees of Oswego City Library are eligible for membership.
- Employees of the A.P.W., Central Square, Hannibal, Mexico, Oswego, Pulaski, and Sandy Creek school districts, and B.O.C.E.S. are eligible for membership.
Family and household
- Family members related to an Oswego County School employee are eligible for membership.
Membership information collected October 5, 2026.