Credit union · NCUA insured
S. Middlesex FCU Auto Loan Rates
Top CarrotS. Middlesex FCU auto loans start at 5.95% APR for a new vehicle and 6.95% for a used one. Rates checked October 22, 2026.
How S. Middlesex FCU’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where S. Middlesex FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
S. Middlesex FCU
5.95%APR
- Terms
- up to 84 months
- Discount
- None included
New Car
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
S. Middlesex FCU auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.95%
- Used vehicleUsed6.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where S. Middlesex 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.
New Car
Car must have less than 2,500 miles to be considered new. If refinancing auto, to receive new car rate it must be within 3 months of purchase date and have 2,500 miles or less. If primary account holder/applicant Equifax credit score is 750 or above, rate is reduced by 0.50%. Payments may be made 10 months or 12 months a year.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.95% | For model year 2026. Rate is reduced by 0.50% (to 5.45% APR) if Equifax credit score is 750 or above. Up to 84 months. 10 or 12 payments a year. Car must have less than 2,500 miles to be considered new. |
Sources (3)
All captured Oct 4, 2026
Used Car
Will loan up to 100% of NADA Retail Value. If luxury or classic vehicle older than 2017, loan is at oldest vehicle rate for up to 48 months. If primary account holder/applicant Equifax credit score is 750 or above, rate is reduced by 0.50%. Payments may be made 10 months or 12 months a year.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.95% | For model years 2025, 2024, 2023, 2022. Up to 72 months. Maximum 100% of NADA Retail Value. Rate is reduced by 0.50% (to 6.45% APR) if Equifax score is 750+. |
| up to 48 months | 7.95% | For model years 2021, 2020, 2019, 2018 (and luxury/classic vehicle older than 2017). Up to 48 months. Maximum 100% of NADA Retail Value. Rate is reduced by 0.50% (to 7.45% APR) if Equifax score is 750+. |
Sources (3)
All captured Oct 4, 2026
Who can join S. Middlesex FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Contractual employees of designated public school districts in Middlesex County are eligible for membership.
Family and household
- Immediate family members of a Credit Union member are eligible for membership.
Membership information collected October 5, 2026.