Credit union · NCUA insured
SJP Federal Credit Union Auto Loan Rates
Top CarrotSJP Federal Credit Union auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How SJP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where SJP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SJP Federal Credit Union
5.59%APR
- Terms
- up to 60 months
- Discount
- None included
Automobile Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
SJP Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SJP 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.
Automobile Loans
Save an additional 0.25% with 25% equity in vehicle. We finance all model years; call office or apply online for terms on older model year vehicles. All loans subject to approval, rates may vary based on term and credit qualifications. Other rates and terms available. Special promotional rates may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Model Yr 2024-26; Save an additional 0.25% with 25% equity in vehicle |
| up to 60 months | 5.59% | Model Yr 2024-26; Save an additional 0.25% with 25% equity in vehicle |
| up to 72 months | 5.69% | Model Yr 2024-26; Save an additional 0.25% with 25% equity in vehicle |
| up to 84 months | 5.79% | Model Year 2024-26; Save an additional 0.25% with 25% equity in vehicle |
| up to 48 months | 5.74% | Model Yr 2020-23; Save an additional 0.25% with 25% equity in vehicle |
| up to 60 months | 5.84% | Model Yr 2020-23; Save an additional 0.25% with 25% equity in vehicle |
| up to 72 months | 5.94% | Model Yr 2020-23; Save an additional 0.25% with 25% equity in vehicle |
Sources (1)
- sjpfcu.org/rates/loan-rates · captured Oct 5, 2026
Who can join SJP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.