Credit union · NCUA insured
Suffolk Credit Union Auto Loan Rates
Suffolk Credit Union auto loans start at 5.39% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Suffolk Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Suffolk Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Suffolk Credit Union
5.39%APR
- Terms
- up to 60 months
- Discount
- None included
Auto – New Cars/EV/Trucks/Vans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Suffolk Credit Union auto loan score
74
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Suffolk 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 – New Cars/EV/Trucks/Vans
Rates shown available with Automatic Payment. Rates and terms subject to credit approval and change without notice. Membership eligibility required (live, work, worship, attend school, or regularly conduct business in specified NY towns/areas, or immediate family of current members). May finance up to 100% of MSRP or purchase price, whichever is less, plus sales tax, license, and extended auto warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.39% | Rate available with Automatic Payment; sample payment of $19.05 per $1,000 borrowed based on maximum term. |
| 61–72 months | 5.39% | Minimum loan of $10,000 required for terms of 61 to 72 months. Rate available with Automatic Payment; sample payment of $16.29 per $1,000 borrowed based on maximum term. |
| 73–84 months | 5.79% | Minimum loan of $20,000 required for terms of 73 to 84 months. Rate available with Automatic Payment; sample payment of $14.51 per $1,000 borrowed based on maximum term. |
| 85–96 months | 6.39% | Minimum loan of $30,000 required for terms of 85 to 96 months. Rate available with Automatic Payment; sample payment of $13.33 per $1,000 borrowed based on maximum term. |
Sources (2)
All captured Oct 5, 2026
Auto – Used Cars/EV/Trucks/Vans
Includes Refinance. Rates shown available with Automatic Payment. Rates and terms subject to credit approval and change without notice. Membership eligibility required. Financing up to 100% of NADA Value Guide/retail value or purchase price, whichever is less, plus sales tax, license/title, and extended warranty.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Rate available with Automatic Payment; sample payment of $19.10 per $1,000 borrowed based on maximum term. |
| 61–72 months | 5.49% | Minimum loan of $10,000 required for terms of 61 to 72 months. Rate available with Automatic Payment; sample payment of $16.33 per $1,000 borrowed based on maximum term. |
| 73–84 months | 5.89% | Minimum loan of $20,000 required for terms of 73 to 84 months. Rate available with Automatic Payment; sample payment of $14.56 per $1,000 borrowed based on maximum term. |
Sources (2)
All captured Oct 5, 2026
Who can join Suffolk Credit Union
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