Credit union · NCUA insured
Special Metals Federal Credit Union Auto Loan Rates
Top CarrotSpecial Metals Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Special Metals Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where Special Metals Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Special Metals Federal Credit Union
4.49%APR
- Terms
- up to 60 months
Automobiles 2023 - 2026
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Special Metals Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Special Metals 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.
Automobiles 2019 & Older
Lowest rates based on \"A\" credit rating. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.49% | Rates based on A rating at 60 months. |
| up to 12 months | 7.45% | Lowest rates based on \"A\" credit rating. |
| up to 24 months | 7.45% | Lowest rates based on \"A\" credit rating. |
| up to 36 months | 7.45% | Lowest rates based on \"A\" credit rating. |
| up to 48 months | 7.45% | Lowest rates based on \"A\" credit rating. |
| up to 60 months | 7.74% | Lowest rates based on \"A\" credit rating. |
Automobiles 2020 - 2022
Lowest rates based on \"A\" credit rating. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.20% | Rates based on A rating at 60 months. |
| up to 12 months | 4.99% | Lowest rates based on \"A\" credit rating. |
| up to 24 months | 4.99% | Lowest rates based on \"A\" credit rating. |
| up to 36 months | 4.99% | Lowest rates based on \"A\" credit rating. |
| up to 48 months | 4.99% | Lowest rates based on \"A\" credit rating. |
| up to 60 months | 5.24% | Lowest rates based on \"A\" credit rating. |
| up to 72 months | 5.74% | Lowest rates based on \"A\" credit rating. |
| up to 84 months | 6.24% | Lowest rates based on \"A\" credit rating. |
Automobiles 2023 - 2026
Lowest rates based on \"A\" credit rating. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.40% | Rates based on A rating at 60 months. |
| up to 12 months | 4.24% | Lowest rates based on \"A\" credit rating. |
| up to 24 months | 4.24% | Lowest rates based on \"A\" credit rating. |
| up to 36 months | 4.24% | Lowest rates based on \"A\" credit rating. |
| up to 48 months | 4.24% | Lowest rates based on \"A\" credit rating. |
| up to 60 months | 4.49% | Lowest rates based on \"A\" credit rating. |
| up to 72 months | 4.99% | Lowest rates based on \"A\" credit rating. |
| up to 84 months | 5.49% | Lowest rates based on \"A\" credit rating. |
Who can join Special Metals Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Retirees are eligible for membership.
- Employees of Special Metals Corporation are eligible to join.
- Employees of Utica National Insurance Company are eligible to join.
Family and household
- Family members of eligible members are eligible to join.
Membership information collected October 5, 2026.