Credit union · NCUA insured
Steuben Citizens FCU Auto Loan Rates
Steuben Citizens FCU auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked November 6, 2026.
How Steuben Citizens FCU’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Steuben Citizens FCU
3.99%APR
- Terms
- up to 72 months
New & Used Auto Loans
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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 & Used Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.00% | Model years 2019-2021 |
| up to 72 months | 6.00% | Model years 2022-2027 |
| 73–96 months | 6.50% | Model years 2022-2027 |
| up to 72 months | 3.99% | Auto Loan Special; Model years 2022-2027 |
| 73–96 months | 5.90% | Auto Loan Special; Model years 2019-2027 |
| up to 72 months | 4.50% | Auto Loan Special; Model years 2019-2021 |
Sources (1)
- steubencitizensfcu.com/loan-center · captured Nov 6, 2026
Steuben Citizens FCU auto loan score
95
Auto loan score
Higher than 97% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Steuben Citizens FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Steuben County, as well as businesses and other legal entities located in Steuben County, are eligible for membership.
Family and household
- Immediate family and household of existing members are eligible for membership.
Cost to join
- Opening a membership/savings account requires a one-time $1 entrance fee.
- Savings accounts require a $5 minimum balance.
Membership information collected October 5, 2026.