Credit union · NCUA insured
St. Lawrence FCU Auto Loan Rates
St. Lawrence FCU auto loans start at 5.00% APR for a new vehicle and 5.75% for a used one. Rates checked September 26, 2026.
How St. Lawrence FCU’s auto loan rates compare
Compared with banks and credit unions near Massena, NY, where St. Lawrence FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Lawrence FCU
5.00%APR
- Terms
- up to 60 months
New Auto 2026/2025
Lowest rate
Northern Credit Union
4.99%APR
- Terms
- —
2nd-lowest rate
Twin Rivers Federal Credit Union
4.99%APR
- Terms
- up to 60 months
St. Lawrence FCU auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Lawrence FCU 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 Auto 2026/2025
Up to 100% financing (includes tax). Up to 7 years. No application or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | Credit Score: A+ (750 & Higher) |
| up to 60 months | 5.00% | Credit Score: A+ (750 & Higher) |
| up to 72 months | 5.25% | Credit Score: A+ (750 & Higher) |
| up to 84 months | 5.50% | Credit Score: A+ (750 & Higher) |
| up to 48 months | 5.00% | Credit Score: B (640 - 689) |
| up to 60 months | 5.25% | Credit Score: B (640 - 689) |
| up to 72 months | 5.50% | Credit Score: B (640 - 689) |
| up to 84 months | 5.75% | Credit Score: B (640 - 689) |
| up to 48 months | 6.50% | Credit Score: C (600 - 639) |
| up to 60 months | 6.75% | Credit Score: C (600 - 639) |
| up to 72 months | 7.00% | Credit Score: C (600 - 639) |
| up to 84 months | 7.25% | Credit Score: C (600 - 639) |
| up to 48 months | 9.00% | Credit Score: D (550 - 599) |
| up to 60 months | 9.25% | Credit Score: D (550 - 599) |
| up to 72 months | 9.50% | Credit Score: D (550 - 599) |
| up to 84 months | 9.75% | Credit Score: D (550 - 599) |
| up to 48 months | 9.25% | Credit Score: E (549 & Lower) |
| up to 60 months | 9.50% | Credit Score: E (549 & Lower) |
| up to 72 months | 9.75% | Credit Score: E (549 & Lower) |
| up to 84 months | 10.00% | Credit Score: E (549 & Lower) |
Sources (3)
All captured Sep 17, 2026
Used Auto
100% financing (includes tax). Up to 5 years (60 months). No application or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75% | Model years: 2024-2022. Credit tier: A+ |
| up to 60 months | 6.25% | Model years: 2024-2022. Credit tier: B |
| up to 60 months | 8.00% | Model years: 2024-2022. Credit tier: C |
| up to 60 months | 12.25% | Model years: 2024-2022. Credit tier: D |
| up to 60 months | 13.25% | Model years: 2024-2022. Credit tier: E |
| up to 60 months | 6.00% | Model years: 2021-2020. Credit tier: A+ |
| up to 60 months | 7.00% | Model years: 2021-2020. Credit tier: A |
| up to 60 months | 7.25% | Model years: 2021-2020. Credit tier: B |
| up to 60 months | 9.00% | Model years: 2021-2020. Credit tier: C |
| up to 60 months | 14.25% | Model years: 2021-2020. Credit tier: E |
| up to 60 months | 9.25% | Model years: 2019 & Older. Credit tier: B |
| up to 60 months | 11.75% | Model years: 2019 & Older. Credit tier: C |
| up to 60 months | 14.75% | Model years: 2019 & Older. Credit tier: E |
Sources (3)
All captured Sep 17, 2026
Who can join St. Lawrence FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, or Warren County in New York state are eligible to join.
Membership information collected October 5, 2026.