Credit union · NCUA insured
Rochester & Monroe County Employees Federal Credit Union Auto Loan Rates
Rochester & Monroe County Employees Federal Credit Union auto loans start at 5.40% APR for a new vehicle and 5.40% for a used one. Rates checked October 16, 2026.
How Rochester & Monroe County Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Rochester & Monroe County Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rochester & Monroe County Employees Federal Credit Union
5.40%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Rochester & Monroe County Employees Federal Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.40%
- Used vehicleUsed5.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rochester & Monroe County Employees 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.
Auto Loans
Repayment can be made with optional payroll deduction. Open to eligible credit union members. Offers available for new and used vehicles with terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | Model Years 2025-2026. Fixed APR as low as 4.95%. APR varies depending on your credit history. Payment per $1,000 is $23.01. |
| up to 60 months | 5.40% | Model Years 2025-2026. Fixed APR as low as 5.40%. APR varies depending on your credit history. Payment per $1,000 is $19.06. |
| up to 66 months | 5.90% | Model Years 2025-2026. Fixed APR as low as 5.90%. APR varies depending on your credit history. Payment per $1,000 is $17.78. |
| up to 72 months | 6.00% | Model Years 2025-2026. Fixed APR as low as 6.00%. APR varies depending on your credit history. Payment per $1,000 is $16.58. |
| up to 84 months | 6.75% | Model Years 2025-2026. Fixed APR as low as 6.75%. APR varies depending on your credit history. Payment per $1,000 is $14.97. |
| up to 48 months | 6.40% | Model Years 2016-2019. Fixed APR as low as 6.40%. APR varies depending on your credit history. Payment per $1,000 is $23.68. |
| up to 60 months | 6.75% | Model Years 2016-2019. Fixed APR as low as 6.75%. APR varies depending on your credit history. Payment per $1,000 is $19.69. |
| up to 66 months | 6.90% | Model Years 2016-2019. Fixed APR as low as 6.90%. APR varies depending on your credit history. Payment per $1,000 is $18.26. |
| up to 72 months | 7.00% | Model Years 2016-2019. Fixed APR as low as 7.00%. APR varies depending on your credit history. Payment per $1,000 is $17.06. |
Sources (4)
All captured Oct 16, 2026
Who can join Rochester & Monroe County Employees 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 individuals who live, work, or worship in the City of Rochester.
Employers and groups
- Membership is open to members of additional employment groups served by the credit union.
Military, government and schools
- Membership is open to employees of the City of Rochester, County of Monroe, and select towns and villages within the county.
Family and household
- Membership is open to family members of all eligible groups.
Cost to join
- Opening a membership requires a $5 initial savings deposit.
- Opening a membership requires a $1 processing fee.
Membership information collected October 5, 2026.