Credit union · NCUA insured
Southern Chautauqua Federal Credit Union Auto Loan Rates
Southern Chautauqua Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Southern Chautauqua Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jamestown, NY, where Southern Chautauqua Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern Chautauqua Federal Credit Union
5.49%APR
- Terms
- up to 66 months
New Car
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
Southern Chautauqua Federal Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern Chautauqua 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.
New Car
Rates based on credit score. Fixed Annual Percentage Rate. Rate matching capabilities. Free life and permanent disability insurance is subject to certain terms and conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.49% | Fixed APR as low as for up to 66 months |
| 67–78 months | 6.49% | Fixed APR as low as for 67 - 78 months |
Sources (3)
All captured Oct 7, 2026
Used Car
Rates based on credit score. Fixed Annual Percentage Rate. Rate matching capabilities. Free life and permanent disability insurance is subject to certain terms and conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.99% | Model years 2025, 2024-2023; Fixed APR as low as for up to 66 months |
| 67–78 months | 6.29% | Model years 2025, 2024-2023; Fixed APR as low as for 67 to 78 months |
| up to 60 months | 5.99% | Model years 2022 to 2021; Fixed APR as low as for up to 60 months |
| 61–66 months | 6.49% | Model years 2022 to 2021; Fixed APR as low as for 61 to 66 months |
| up to 54 months | 6.99% | Model years 2020 and older; Fixed APR as low as for up to 54 months |
| 55–60 months | 7.49% | Model years 2020 and older; Fixed APR as low as for 55 to 60 months |
Sources (3)
All captured Oct 7, 2026
Who can join Southern Chautauqua Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, attend school, do business and any other entities within Chautauqua County, New York are eligible for membership.
Employers and groups
- Employees of the credit union and volunteers in the community are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted individuals) and household members of eligible persons or joined members are eligible to join.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.