Credit union · NCUA insured
Sidney FCU Auto Loan Rates
Sidney FCU auto loans start at 5.59% APR for a new vehicle and 6.09% for a used one. Rates checked October 16, 2026.
How Sidney FCU’s auto loan rates compare
Compared with banks and credit unions near Oneonta, NY, where Sidney FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sidney FCU
5.59%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Leatherstocking Credit Union
3.99%APR
- Terms
- 1–72 months
2nd-lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
Sidney FCU auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed6.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sidney 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.
Auto Loan
Credit union membership required with a $5 minimum deposit. Rates are determined by credit worthiness. Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.59% | Vehicle: New & Used Autos (2027-2024) |
| up to 72 months | 6.04% | Vehicle: New & Used Autos (2027-2024) |
| up to 84 months | 6.49% | Vehicle: New & Used Autos (2027-2024) |
| up to 60 months | 6.09% | Vehicle: Used Autos (2023-2020) |
| up to 72 months | 6.54% | Vehicle: Used Autos (2023-2020) |
| up to 84 months | 6.99% | Vehicle: Used Autos (2023-2020) |
| up to 60 months | 10.34% | Vehicle: Used Autos (2019 - up to 20 years old) |
Sources (3)
- sfcuonline.org/loans/vehicle/auto-loans-2
- sfcuonline.org/loans/vehicle/auto-loans-syracuse-ny
- sfcuonline.org/auto-loans-liverpool-ny
All captured Oct 16, 2026
Driving Sense Loan
Lease-like auto loan with vehicle titled to borrower and no early termination fees. Credit Union membership is required with a $5 minimum deposit. Rates are determined by creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.59% | New & Used Autos 2027-2024; term up to 60 months |
| up to 72 months | 7.04% | New & Used Autos 2027-2024; term 72 months |
| up to 60 months | 7.09% | Used Autos 2023-2021; term up to 60 months |
| up to 72 months | 7.54% | Used Autos 2023-2021; term 72 months |
Sources (1)
- sfcuonline.org/loans/vehicle/auto-loans-2/drivingsense · captured Oct 16, 2026
Who can join Sidney FCU
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 anyone who lives, works, worships, attends school, or regularly conducts business in specified New York counties and towns.
Employers and groups
- Employees of SFCU are eligible for membership.
Family and household
- Immediate family or household members of eligible individuals/members are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
Cost to join
- A minimum deposit of $5.00 is required to open an SFCU Membership Savings Account.
Membership information collected October 5, 2026.