Credit union · NCUA insured
Pittsford Federal Credit Union Auto Loan Rates
Top CarrotPittsford Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Pittsford Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Pittsford Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pittsford Federal Credit Union
5.75%APR
- Terms
- up to 84 months
Traditional Auto Loan
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Pittsford Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pittsford 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.
FlexLoan Program
Available for most future year, current year, and used vehicles up to 5 years old from dealership or private party. Financing terms from 24 to 72 months. A one-time non-refundable program fee of $825 can be rolled into the loan or paid separately at origination. Select annual mileage allowance from 7,500 to 18,000 miles (excess mileage fee $0.10/mile). Option to walk away at maturity subject to a $195 disposition fee, excess wear/tear, and excess mileage charges. Rates match conventional auto loan rates.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.00% | New & Used vehicles; loan terms 24 to 36 months. One-time $825 program fee applies. |
| 24–60 months | 5.00% | New & Used vehicles; loan terms up to 60 months (minimum 24 months). One-time $825 program fee applies. |
| 24–72 months | 5.25% | New & Used vehicles; loan terms up to 72 months (minimum 24 months). One-time $825 program fee applies. |
Sources (3)
- pittsfordfcu.org/mortgage-loan…umer-loans/vehicle-loans
- pittsfordfcu.org/mortgage-loan…/vehicle-loans/flexloans
- pittsfordfcu.org/rates
All captured Oct 6, 2026
Motorcycle/Off-Road Vehicle Loan
Maximum 90% LTV. Loan terms up to 60 months. Subject to credit approval; rates do not apply to refinance of an existing Pittsford FCU loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.75% | 90% Maximum LTV; Up to 60 months. |
Sources (1)
- pittsfordfcu.org/rates · captured Oct 6, 2026
Traditional Auto Loan
Available for new or used vehicles from dealerships or private parties. Offers 100% financing with terms from 12 to 84 months (84-month term available for new vehicles only). Subject to credit approval; rates do not apply to refinancing of existing Pittsford FCU loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | New & Used vehicles; loan terms up to 36 months. |
| up to 60 months | 5.00% | New & Used vehicles; loan terms up to 60 months. |
| up to 72 months | 5.25% | New & Used vehicles; loan terms up to 72 months. |
| up to 84 months | 5.75% | New vehicles only; loan terms up to 84 months. |
Sources (2)
All captured Oct 6, 2026
Who can join Pittsford 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
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in the communities served by Pittsford Federal Credit Union.
Family and household
- Membership is open to immediate relatives or permanent household members of a current or eligible member.
Cost to join
- A minimum deposit of $5.00 and maintaining a $5 balance in Savings or Checking is required to establish and maintain membership.
Membership information collected October 5, 2026.