Reliant Credit Union Auto Loan Rates

How Reliant Credit Union’s auto loan rates compare

Compared with banks and credit unions near Rochester, NY, where Reliant Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Reliant Credit Union
4.74%APR
Terms
37–60 months
Auto Loan
Lowest rate
Ontario Shores FCU
3.90%APR
Terms
—
Ontario Shores FCU rates
2nd-lowest rate
Brockport FCU
3.99%APR
Terms
—
Brockport FCU rates

Compare auto loan rates near you →

Auto loan score

Higher than 61% of U.S. banks and credit unions

By vehicle

New vehicleNew4.74%
Used vehicleUsed5.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Reliant 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 Lease Buyout Loan

No fee when buying out lease. Listed rates require automatic recurring payments from a Reliant account or external account; if payment coupons are requested, rates increase by 0.50%. Existing Reliant loans and mortgage-related products not eligible. Membership eligibility required.

Terms	APR	Conditions
up to 60 months	4.89%	Used Vehicle — 2024 Model Years. Requires automatic recurring payment (or rate increases by 0.50% if payment coupons requested).
61–72 months	5.29%	Used Vehicle — 2024 Model Years. Minimum loan amount for terms of 67 to 72 months is $15,000. Requires automatic recurring payment (or rate increases by 0.50% if payment coupons requested).
73–84 months	6.24%	Used Vehicle — 2024 Model Years. Minimum loan amount for terms of 73 to 84 months is $25,000. Requires automatic recurring payment (or rate increases by 0.50% if payment coupons requested).

Sources (2)

All captured Oct 16, 2026

Auto Loan

Borrow up to 100% of MSRP (new) or NADA value (used) plus sales tax and extended warranty. Listed rates require automatic recurring payments; payment coupons increase rate by 0.50%. Membership eligibility required.

Terms	APR	Conditions
up to 36 months	4.59%	New and Used Vehicle — 2025 & Newer Model Years. Applies to automatic payment. 36 monthly payments of $29.79 per $1,000 borrowed.
37–60 months	4.74%	New and Used Vehicle — 2025 & Newer Model Years. Requires automatic payment.
61–72 months	4.89%	New and Used Vehicle — 2025 & Newer Model Years. Minimum loan amount for terms of 67 to 72 months is $15,000. Requires automatic payment.
73–84 months	5.64%	New and Used Vehicle — 2025 & Newer Model Years. Minimum loan amount for terms of 73 to 84 months is $25,000. Requires automatic payment.
up to 60 months	5.29%	Used Vehicle — 2022-2023 Model Years. Requires automatic recurring payment.
61–66 months	5.49%	Used Vehicle — 2022-2023 Model Years. Requires automatic recurring payment.
67–72 months	5.49%	Used Vehicle — 2022-2023 Model Years. Minimum loan amount for terms of 67 to 72 months is $15,000. Requires automatic recurring payment.
up to 48 months	6.14%	Used Vehicle — 2020-2021 Model Years. Requires automatic recurring payment.
49–60 months	6.24%	Used Vehicle — 2020-2021 Model Years. Requires automatic recurring payment.
61–66 months	6.64%	Used Vehicle — 2020-2021 Model Years. Requires automatic recurring payment.
up to 60 months	7.04%	Used Vehicle — 2019 & Older Model Years. Requires automatic recurring payment.

Sources (3)

All captured Oct 16, 2026

Auto Loan Refinance

No fee to refinance. Available up to the remaining term of existing loan with another financial institution; not available on existing Reliant auto loans. 100% financing of MSRP/NADA retail loan value plus sales tax and service contract available. Listed rates require automatic recurring payments; payment coupons increase rate by 0.50%.

Terms	APR	Conditions
up to 36 months	4.59%	New and Used Vehicle — 2025 & Newer Model Years. Requires automatic recurring payment.
37–60 months	4.74%	New and Used Vehicle — 2025 & Newer Model Years. Requires automatic recurring payment.
61–72 months	4.89%	New and Used Vehicle — 2025 & Newer Model Years. Minimum loan amount for terms of 67 to 72 months is $15,000. Requires automatic recurring payment.
73–84 months	5.64%	New and Used Vehicle — 2025 & Newer Model Years. Minimum loan amount for terms of 73 to 84 months is $25,000. Requires automatic recurring payment.

Sources (1)

reliantcu.com/personal/loans/vehicle/auto-refinance · captured Oct 16, 2026

First-Time Auto Buyer Program

Must be at least 18 years old, have lived at current residence for at least 12 months, have at least 12 months of full-time, year-round employment with income verification, and minimum down payment of $1,000. Vehicle must be titled and registered in applicant's name. Rate applies to automatic payment for model years 2025 and newer with 36 monthly payments of $29.79 per $1,000 borrowed. 100% financing of MSRP/NADA retail loan value plus sales tax and service contract available.

Terms	APR	Conditions
up to 36 months	4.59%	Model years 2025 and newer. Requires automatic payment. 36 monthly payments of $29.79 per $1,000 borrowed.

Sources (1)

reliantcu.com/first-time-auto-buyer-program · captured Oct 16, 2026

Who can join Reliant 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, volunteer, or go to school in Monroe, Ontario, or Wayne County in New York are eligible to join.

Family and household

Immediate family members (including spouse, parents, children, siblings, grandparents, and grandchildren, including step and adoptive relationships, but not in-laws) and household members of eligible individuals are eligible to join.

Other ways

Businesses and other legal entities headquartered in Monroe, Ontario, or Wayne County can open accounts.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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