Bank · FDIC insured
Rhinebeck Bank Auto Loan Rates
Top CarrotRhinebeck Bank auto loans start at 5.04% APR for a new vehicle and 5.04% for a used one. Rates checked October 16, 2026.
How Rhinebeck Bank’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Rhinebeck Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Rhinebeck Bank
5.04%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Rhinebeck Bank auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.04%
- Used vehicleUsed5.04%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rhinebeck Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’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 assume excellent credit history and reflect a 0.25% discount for automatic payments from a Rhinebeck Bank checking account. 1% added to APR for vehicles with a payload capacity of 1 ton or more. Lender may require Vendor's Single Interest Insurance ($225). Available for vehicles with mileage of no more than 150,000 miles (oldest model year 2014). Fixed monthly payments for purchases and refinances (no cash out). No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.84% | Model years 2024 and newer. Up to 60-month term. Reflects 0.25% auto-pay discount. |
| up to 72 months | 6.04% | Model years 2024 and newer. Up to 72-month term. Reflects 0.25% auto-pay discount. |
| up to 84 months | 6.74% | Model years 2024 and newer. Up to 84-month term. Reflects 0.25% auto-pay discount. |
| up to 60 months | 6.24% | Model years 2022 - 2023. Up to 60-month term. Reflects 0.25% auto-pay discount. |
| up to 72 months | 6.34% | Model years 2022 - 2023. Up to 72-month term. Reflects 0.25% auto-pay discount. |
| up to 84 months | 6.94% | Model years 2022 - 2023. Up to 84-month term. Reflects 0.25% auto-pay discount. |
| — | 5.04% | Model year 2024 or newer. Reflects 0.25% auto-pay discount. |
Sources (3)
- rhinebeckbank.com/rates
- rhinebeckbank.com/personal/lending
- rhinebeckbank.com/personal/lending/auto-loans
All captured Oct 7, 2026
Opening an account
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