Credit union · NCUA insured
ServU Credit Union Auto Loan Rates
ServU 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 ServU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Corning, NY, where ServU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ServU Credit Union
5.49%APR
- Terms
- 49–72 months
- Up to
- —
Auto/Motorcycle Loans
2nd-lowest rate
Corning Credit Union
5.74%APR
- Terms
- —
- Up to
- 17.99% APR
3rd-lowest rate
First Heritage Federal Credit Union
5.74%APR
- Terms
- up to 66 months
- Up to
- —
ServU 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 ServU 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/Motorcycle Loans
Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Loan approval subject to lending guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Model year 2022 & newer. New money only. |
| 37–48 months | 5.24% | Model year 2022 & newer. New money only. |
| 49–72 months | 5.49% | Model year 2022 & newer. New money only. |
| 73–84 months | 5.74% | Model year 2022 & newer. New money only. |
| 85–96 months | 5.99% | Model year 2022 & newer. Minimum loan amount of $30,000 required for 85-96 month term. New money only. |
| up to 36 months | 5.74% | Model years 2016-2021. New money only. |
| 37–48 months | 5.74% | Model years 2016-2021. New money only. |
| 49–72 months | 5.99% | Model years 2016-2021. New money only. |
| 73–84 months | 6.24% | Model years 2016-2021. Minimum loan amount of $30,000 required for 73-84 month term. New money only. |
| up to 36 months | 7.99% | Model years 2015 & older. Loans less than $10,000 have a maximum term of 36 months. New money only. |
| 37–60 months | 8.24% | Model years 2015 & older. Loans less than $10,000 are restricted to a maximum 36 month term. New money only. |
| 61–72 months | 8.74% | Model years 2015 & older. Minimum loan amount of $30,000 required for 61-72 month term. New money only. |
Motorcycle Loans
Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | Model year 2022 & newer. New money only. |
| 37–48 months | 5.74% | Model year 2022 & newer. New money only. |
| 49–72 months | 5.99% | Model year 2022 & newer. New money only. |
| 73–84 months | 6.24% | Model year 2022 & newer. New money only. |
| 85–96 months | 6.49% | Model year 2022 & newer. Minimum loan amount of $30,000 required for 85-96 month term. New money only. |
| up to 36 months | 6.24% | Model years 2016-2021. New money only. |
| 37–48 months | 6.24% | Model years 2016-2021. New money only. |
| 49–72 months | 6.24% | Model years 2016-2021. New money only. |
| 73–84 months | 6.49% | Model years 2016-2021. Minimum loan amount of $30,000 required for 73-84 month term. New money only. |
| up to 36 months | 8.49% | Model years 2015 & older. Loans less than $10,000 have a maximum term of 36 months. New money only. |
| 37–60 months | 8.74% | Model years 2015 & older. Loans less than $10,000 are restricted to a maximum 36 month term. New money only. |
| 61–72 months | 9.24% | Model years 2015 & older. Minimum loan amount of $30,000 required for 61-72 month term. New money only. |
Sources (1)
- servucu.com/borrow/rates · captured Oct 7, 2026
Who can join ServU Credit Union
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