Credit union · NCUA insured
SeaComm Federal Credit Union Auto Loan Rates
SeaComm Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How SeaComm Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Massena, NY, where SeaComm Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SeaComm Federal Credit Union
5.49%APR
- Terms
- up to 72 months
New & Used Vehicles
Lowest rate
Northern Credit Union
4.99%APR
- Terms
- —
2nd-lowest rate
Twin Rivers Federal Credit Union
4.99%APR
- Terms
- up to 60 months
SeaComm Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SeaComm 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.
New & Used Vehicles
Minimum monthly payments: $50. No prepayment penalty. Maximum repayment is 7 years for fixed rate loans. 100% financing available for new vehicles (including taxes, warranties, and options) and used vehicles under 3 years old (including taxes, or up to 110% of retail NADA value, whichever is less). Cars, trucks (1 ton and under), and vans. Rate reductions up to 1.00% available with Member Rewards. Based on FICO score, maximum APR could be 17.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | 2025 - 2026 (New). Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances. |
| up to 60 months | 6.24% | 2021 vehicles. Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances. |
| up to 60 months | 6.49% | 2020 vehicles. Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances. |
| up to 72 months | 5.99% | 2022 or newer year vehicles. 72 month term. Rate examples are based on FICO score of 730 or higher with Member Rewards. Does not include insurances. |
| up to 84 months | 6.49% | Current or prior year (new) vehicles. 84 month term. Less than 12,000 miles. Rate examples are based on FICO score of 730 or higher with Member Rewards. Does not include insurances. |
| up to 72 months | 5.49% | 5.49% APR based on a 72 month term with a credit score of 730 or above on a 2022 or newer vehicle. Valid on loans for new and used purchases or refinances from other financial institutions. Enhanced Loyalty Rewards cannot be used in conjunction with this offer. |
Who can join SeaComm 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 persons who live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located in St. Lawrence, Franklin, Clinton, Essex, Jefferson, and Lewis Counties, New York, and Grand Isle, Chittenden, Franklin, Addison, Lamoille, Orleans, and Washington Counties, Vermont.
Cost to join
- To join, applicants must deposit a minimum of $5 into a Regular Share Savings account.
Membership information collected October 5, 2026.