Credit union · NCUA insured
State CS Employees Federal Credit Union Auto Loan Rates
State CS Employees Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How State CS Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Watertown, NY, where State CS Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
State CS Employees Federal Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto & Motorcycle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
AmeriCU Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- None included
State CS Employees Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where State CS Employees 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.
Auto & Motorcycle Loans
Financing available for new or pre-owned vehicles, as well as refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term. |
| up to 48 months | 4.99% | Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term. |
| up to 60 months | 5.24% | Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term. |
| up to 72 months | 5.49% | Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term. |
| up to 84 months | 5.99% | Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term. |
Sources (1)
- statecs.org/loans/auto-loans · captured Oct 7, 2026
Who can join State CS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the City of Watertown who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- New York State Civil Service Employees who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Retirees of New York State Civil Service, City of Watertown, or Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Employees of the Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Family and household
- Immediate family members of current members who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Cost to join
- Membership requires opening a Primary Savings account with a minimum deposit of at least $5.00.
Membership information collected October 5, 2026.