Credit union · NCUA insured
Palisades Credit Union Auto Loan Rates
Top CarrotPalisades Credit Union auto loans start at 4.49% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Palisades Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Palisades Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Palisades Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Palisades Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Palisades 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.
Auto Loan
Rates effective as of October 13, 2026. APR as low as. Rates include a 0.50% discount for automatic payments from a Palisades Credit Union account. Rate and approval subject to lender's credit criteria. Maximum loan term is 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | New Auto (2024 & newer) |
| up to 84 months | 5.39% | Used Auto (2021-2023) |
| up to 84 months | 7.39% | Used Auto (2020 & older) |
Sources (1)
- palisadesfcu.org/borrow/auto-loans · captured Oct 16, 2026
Who can join Palisades Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in Rockland County, NY or Bergen County, NJ are eligible for membership.
Employers and groups
- Employees of Select Employer Groups (SEGs) are eligible to join.
Family and household
- Individuals who have an immediate family member who is already a member are eligible to join.
- Individuals who live with someone who qualifies for membership are eligible to join.
Cost to join
- Membership is free with a $5 minimum deposit required to open a savings account.
Membership information collected October 5, 2026.