Credit union · NCUA insured
Solutions Credit Union Auto Loan Rates
Solutions Credit Union auto loans start at 5.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How Solutions Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elmira, NY, where Solutions Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Solutions Credit Union
5.50%APR
- Terms
- up to 66 months
- Up to
- 10.00% APR
New Vehicle Loan
Lowest rate
Finger Lakes Health Care Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
2nd-lowest rate
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
- Up to
- —
Solutions Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Solutions 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 Vehicle Loan
Finance up to 100% of the value of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.50%–10.00% | — |
| up to 66 months | 5.50%–10.00% | $8,000+ |
| up to 72 months | 5.50%–10.00% | $10,000+ |
| up to 84 months | 5.50%–10.00% | $20,000+; model years 2026-2022 only |
| up to 96 months | 6.50%–11.00% | $35,000+; model years 2026-2024 only |
| up to 72 months | 7.75%–12.25% | If financing 116% or more of NADA book rate for new or used vehicles; 72 months maximum |
Sources (3)
- solutionscu.org/loans-rates
- solutionscu.org/loans-rates/auto-loans
- solutionscu.org/loans-rates/loan-rates
All captured Oct 7, 2026
Used Auto Loan
Financing over 116% of NADA book rate results in higher rates. 72-month term adds 1% to rate.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 6.50%–11.00% | 72 mos. Term add 1%. If financing 116% or more of NADA book rate is 7.75% to 12.25% |
Sources (2)
All captured Oct 7, 2026
Who can join Solutions 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, or worships in Chemung, Steuben, Schuyler, Tompkins, or Tioga counties in New York State, or Bradford and Tioga counties in Pennsylvania.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to any family members of current members by blood, marriage, adoption, or foster care.
- Membership is open to spouses of persons who died while members of the credit union.
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants from the geographic service area.
Cost to join
- Members must maintain a minimum balance of $10 in a share savings account.
Membership information collected October 5, 2026.