Credit union · NCUA insured
Saratoga's Community Federal Credit Union Auto Loan Rates
Saratoga's Community Federal Credit Union auto loans start at 8.00% APR for a new vehicle and 8.00% for a used one. Rates checked October 16, 2026.
How Saratoga's Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where Saratoga's Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Saratoga's Community Federal Credit Union
8.00%APR
- Terms
- 49–60 months
- Discount
- None included
Auto, Truck, Motorcycle
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
Saratoga's Community Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew8.00%
- Used vehicleUsed8.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Saratoga's Community 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, Truck, Motorcycle
Discounts can be used individually or combined together for up to 3.00% off published rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | — |
| 25–36 months | 7.25% | — |
| 37–48 months | 7.75% | — |
| 49–60 months | 8.00% | — |
| 61–72 months | 8.50% | — |
| 73–84 months | 8.75% | — |
Sources (1)
- saratogafcu.org/Borrowing/Personal/Home-Loans.aspx · captured Oct 16, 2026
Auto, Truck, Motorcycle (Variable Rate/Fixed Payment)
Variable rate with fixed payment that will not change.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 0.99% | Introductory APR* First 6 Months |
No ongoing APR is published for this loan, only the rate above.
Sources (1)
- saratogafcu.org/Borrowing/Personal/Home-Loans.aspx · captured Oct 16, 2026
Who can join Saratoga's Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.