Credit union · NCUA insured
Qside FCU Auto Loan Rates
Top CarrotQside FCU auto loans start at 7.50% APR for a new vehicle and 7.50% for a used one. Rates checked October 16, 2026.
How Qside FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Qside FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Qside FCU
7.50%APR
- Terms
- 60–83 months
- Up to
- 17.50% APR
- Discount
- Included in the rate
Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Qside FCU auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.50%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Qside FCU 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 Loans
Same Rates for New, Used and Refinanced Cars. 100% Financing Available. .50% Discount for Payroll Deduction Payments. Borrowing Limits and Rates Based on Individual Creditworthiness. Members are required to maintain Comprehensive and Collision insurance coverage on their car for the duration of their Qside car loan term with deductibles not exceeding $1,000. 0.50% APR discount when paying via direct deposit / payroll deduction (if discontinued, APR increases by 0.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 35 months | 6.50%–16.49% | Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. |
| 36–59 months | 7.00%–17.00% | Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. As an example, a 4-year 7.00% fixed rate auto loan for $20,000 would result in monthly payments of $479.05. |
| 60–83 months | 7.50%–17.50% | Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. |
| 84+ months | 8.25%–17.99% | Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR. |
Who can join Qside FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located within the designated borders are eligible.
- People who live, work, worship, or study at institutions located within specified borders of the Queens community are eligible.
Employers and groups
- Employees, retirees, and tenant-stockholders of Big Six Towers Housing Corporation, Inc. are eligible.
- Employees and retirees of Clean Harbors Environmental Services, Inc. who work in or are paid from Brooklyn, New York are eligible.
- Employees and retirees of Consolidated Edison, Inc. and specified wholly owned subsidiaries working in Bronx, Kings, New York, Queens, Richmond, and Westchester Counties, NY are eligible.
- Employees and retirees of Cummins Allison Corporation are eligible.
6 more ways to join
Employers and groups
- Employees, retirees, and tenant/members of Deepdale Gardens Community Council, Inc. in Little Neck, NY are eligible.
- Employees and retirees of Long Island Water Corporation working in Lynbrook, New York are eligible.
- Employees and retirees of Queensboro Toyota are eligible.
Military, government and schools
- Employees and retirees of New York Power Authority working at the Indian Point Nuclear Power Plant #3 or the Charles Poletti Power Plant #6 in Buchanan or Astoria, New York are eligible.
Family and household
- Family members of current Qside members (husband or wife, children, siblings, parents, grandparents, grandchildren, and their spouses) are eligible.
Other ways
- Individuals can qualify for membership by joining the American Consumer Council (ACC), with the $15 fee waived using promo code 'Qside'.
Membership information collected October 5, 2026.