Credit union · NCUA insured
Sunmark Credit Union Auto Loan Rates
Top CarrotSunmark Credit Union auto loans start at 3.74% APR for a new vehicle and 3.74% for a used one. Rates checked October 16, 2026.
How Sunmark Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where Sunmark Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan Sale
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
Sunmark Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.74%
- Used vehicleUsed3.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sunmark 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 Loan Sale
Finance a new or used vehicle, or refinance a higher-rate loan with another lender (model years 2017–2026). Financing up to 115% of Kelly Blue Book value; cashout refinance accepted with minimum $2,500 borrowed and max loan LTV 100%. Minimum amount borrowed is $2,500. Membership required, subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.74% | Model years 2022-2026, any make/model. Includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500. Term up to 60 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. Payment calculation based on $18.30 per $1,000 borrowed on a $30,000 loan for 60 months. |
| up to 60 months | 3.99% | Model years 2022-2026, any make/model. Rate without 0.25% automatic payment / direct deposit discount. Term up to 60 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. |
| up to 48 months | 5.49% | Model years 2017-2021, any make/model. Includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500. Term up to 48 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. Payment calculation based on $23.26 per $1,000 borrowed on a $20,000 loan for 48 months. |
| up to 48 months | 5.74% | Model years 2017-2021, any make/model. Rate without 0.25% automatic payment / direct deposit discount. Term up to 48 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. |
Who can join Sunmark Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.