Credit union · NCUA insured
Sikorsky Credit Union Auto Loan Rates
Sikorsky Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Sikorsky Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bridgeport, CT, where Sikorsky Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sikorsky Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New & Used Car Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Albright Credit Union
4.44%APR
- Terms
- up to 60 months
- Discount
- None included
Sikorsky Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sikorsky 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.
Advantage Auto Loan
The Advantage Auto Loan offers features of traditional financing and a lease. Monthly payments are typically 20% to 40% less than conventional financing. Available on new or used vehicles up to 5 calendar years old. Flexible loan terms from 24 to 72 months. Annual mileage options of 7,500, 10,000, 12,000, 15,000, or 18,000 miles per year with $0.10/mile excess charge. Vehicle title remains in borrower's name. No pre-payment penalties or early termination fees. At maturity, borrower can turn in vehicle, sell/trade it in, or refinance remaining balloon/residual balance into a new Sikorsky Credit Union loan. A one-time $825 program fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.79% | Payment example: For a 24-month loan for 2026 Toyota Camry Hybrid Limited Edition with a financed amount of $25,825 ($25,000 loan amount plus $825 program fee) at 6.793% APR, monthly payments for the first 23 months would be $465.59, with a final balloon payment (Residual Value) of $17,155.00 due at maturity. A one-time $825 program fee applies. |
| up to 36 months | 6.15% | Payment example: For a 36-month loan for 2026 Toyota Camry Hybrid Limited Edition with a financed amount of $25,825 ($25,000 loan amount plus $825 program fee) at 6.149% APR, monthly payments for the first 35 months would be $346.20, with a final balloon payment (Residual Value) of $16,743.00 due at maturity. A one-time $825 program fee applies. |
| up to 48 months | 5.87% | Payment example: For a 48-month loan for 2026 Toyota Camry Hybrid Limited Edition with a financed amount of $25,825 ($25,000 loan amount plus $825 program fee) at 5.871% APR, monthly payments for the first 47 months would be $321.33, with a final balloon payment (Residual Value) of $14,578.00 due at maturity. A one-time $825 program fee applies. |
| up to 60 months | 5.71% | Payment example: For a 60-month loan for 2026 Toyota Camry Hybrid Limited Edition with a financed amount of $25,825 ($25,000 loan amount plus $825 program fee) at 5.712% APR, monthly payments for the first 59 months would be $306.85, with a final balloon payment (Residual Value) of $12,292.00 due at maturity. A one-time $825 program fee applies. |
| up to 72 months | 6.40% | Payment example: For a 72-month loan for 2026 Toyota Camry Hybrid Limited Edition with a financed amount of $25,825 ($25,000 loan amount plus $825 program fee) at 6.401% APR, monthly payments for the first 71 months would be $294.09, with a final balloon payment (Residual Value) of $11,224.00 due at maturity. A one-time $825 program fee applies. |
Motorcycle Loan
Financing for new and used motorcycles, or refinancing an existing motorcycle loan from another lender. Terms ranging from 36 to 72 months. Commercial vehicles and vehicles with rebranded titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.44% | For model years 2025-2023. |
| 49–60 months | 6.64% | For model years 2025-2023. |
| 49–60 months | 6.89% | For model years 2022-2020. |
Sources (2)
- sikorskycu.org/loans-credit-ca…oans/advantage-auto-loan
- sikorskycu.org/loans-credit-ca…e-loans/motorcycle-loans
All captured Oct 4, 2026
New & Used Car Loans
Standard vehicle financing guidelines apply. Vehicle loans are available for purchasing a new or used vehicle (automobile, truck, SUV, or van) or refinancing an existing vehicle loan from another lender (existing Sikorsky Credit Union loans are not eligible). Commercial vehicles and vehicles with rebranded titles are not eligible. Terms up to 72 months for used and 84 months for new. 60 days before first payment is due. Rates reflect a 0.25% discount for automatic payments from a Sikorsky Credit Union account. APR may range from 4.74% to 13.26% for model years 2027-2025 based on credit history, term, and selected loan program.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $29.85 per $1,000 borrowed. |
| 37–48 months | 4.74% | For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $22.91 per $1,000 borrowed. |
| 49–60 months | 4.74% | For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $18.75 per $1,000 borrowed. |
| 61–72 months | 5.54% | For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $16.36 per $1,000 borrowed. |
| 73–84 months | 5.99% | For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $14.60 per $1,000 borrowed. |
| 61–72 months | 5.79% | For model years 2024-2022. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $16.47 per $1,000 borrowed. |
| up to 36 months | 5.84% | For model years 2021-2019. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $30.35 per $1,000 borrowed. |
| 37–48 months | 5.84% | For model years 2021-2019. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $23.41 per $1,000 borrowed. |
| 49–60 months | 6.04% | For model years 2021-2019. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $19.35 per $1,000 borrowed. |
| 61–72 months | 6.24% | For model years 2021-2019. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $16.69 per $1,000 borrowed. |
| up to 36 months | 7.34% | For model years 2018-2007. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $31.03 per $1,000 borrowed. |
| 37–48 months | 7.34% | For model years 2018-2007. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $24.10 per $1,000 borrowed. |
| 49–60 months | 7.54% | For model years 2018-2007. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $20.06 per $1,000 borrowed. |
Who can join Sikorsky Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or volunteers in Fairfield, New Haven, or Hartford County is eligible to join.
Family and household
- Individuals who have a family member who lives, works, worships, or volunteers in Fairfield, New Haven, or Hartford counties are eligible to join.
Cost to join
- Opening membership requires a minimum deposit of $5 to open a Member Savings Account, representing a share of ownership in the credit union.
Membership information collected October 4, 2026.