Salt City Federal Credit Union Auto Loan Rates

How Salt City Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Syracuse, NY, where Salt City Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Salt City Federal Credit Union
5.14%APR
Terms
up to 60 months
New and used 2025 – 2026
Lowest rate
Access Federal Credit Union
3.99%APR
Terms
49–60 months
Access Federal Credit Union rates
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
Terms
61–66 months
G.P.O. Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 43% of U.S. banks and credit unions

By vehicle

New vehicleNew5.14%
Used vehicleUsed5.39%

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 Salt City 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.

FUSE Loan

Available for new and used vehicles up to 5 years old. No down payment required; taxes & registration can be rolled into payment plan. Mileage plans range from 7,500 to 18,000 miles per year. No early payoff penalty. End-of-term options include applying positive equity toward next vehicle, making final balloon payment to keep vehicle, or turning it in. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Terms	APR	Conditions
up to 36 months	6.49%	New and used 2025 – 2026. Monthly payment of $30.64 per thousand borrowed.
up to 60 months	6.74%	New and used 2025 – 2026. Monthly payment of $19.68 per thousand borrowed. A typical auto loan of $40,000 at 6.74% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.
up to 72 months	6.99%	New and used 2025 – 2026. Monthly payment of $17.04 per thousand borrowed.
up to 36 months	6.99%	Used 2024 and older. Monthly payment of $30.87 per thousand borrowed.
up to 60 months	7.24%	Used 2024 and older. Monthly payment of $19.91 per thousand borrowed. A typical auto loan of $40,000 at 7.24% APR would have 60 monthly payments of $631.84 each month and would include a balloon payment due at loan maturity of $12,500.
up to 72 months	7.49%	Used 2024 and older. Monthly payment of $17.29 per thousand borrowed.

Sources (3)

All captured Oct 5, 2026

New and used 2025 – 2026

Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Terms	APR	Conditions
up to 48 months	4.99%	Monthly payment of $23.02 per thousand borrowed.
up to 60 months	5.14%	Monthly payment of $18.94 per thousand borrowed.
up to 72 months	5.34%	Monthly payment of $16.26 per thousand borrowed.
up to 84 months	5.84%	Monthly payment of $14.53 per thousand borrowed.

Sources (1)

saltcityfcu.org · captured Oct 5, 2026

Used 2021 – 2024

Contact credit union for rates on older vehicles. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Terms	APR	Conditions
up to 48 months	5.24%	Monthly payment of $23.14 per thousand borrowed.
up to 60 months	5.39%	Monthly payment of $19.05 per thousand borrowed.
up to 72 months	5.59%	Monthly payment of $16.38 per thousand borrowed.
up to 84 months	6.09%	Monthly payment of $14.65 per thousand borrowed.

Sources (1)

saltcityfcu.org · captured Oct 5, 2026

Who can join Salt City Federal Credit Union

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