Credit union · NCUA insured
SUNY Fredonia Federal Credit Union Auto Loan Rates
SUNY Fredonia Federal Credit Union auto loans start at 1.90% APR for a new vehicle. Rates checked October 16, 2026.
How SUNY Fredonia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jamestown, NY, where SUNY Fredonia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
New Vehicle Loans
2nd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
3rd-lowest rate
Inner Lakes Federal Credit Union
4.74%APR
- Terms
- up to 60 months
SUNY Fredonia Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew1.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SUNY Fredonia 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.
New Vehicle Loans
We provide 100% financing. Financing is available for 2024-2027 model year vehicles purchased directly from a licensed dealership that have never been titled. Fixed rate loan on cars, trucks, or motorcycles with terms up to 7 years. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 1.90% | 2024 or newer model year vehicles; A+ and A credit scores. Promotional rate valid through October 31, 2026. Rate is as low as and is based on credit score, membership, loan term, and vehicle eligibility. |
| 12–60 months | 5.40% | 2024 or newer model year vehicles; B, C, D, and E credit scores. Promotional rate valid through October 31, 2026. Rate is based on credit score. |
| up to 72 months | 4.90% | For 6-year loan terms on new vehicles. |
| up to 84 months | 5.90% | For 7-year loan terms on new vehicles. |
Sources (3)
- sunyfredoniafcu.com/loans/loan-rates
- sunyfredoniafcu.com/loans/new-used-auto-loans
- sunyfredoniafcu.com/auto-loan-special-extended
All captured Oct 5, 2026
Used or Refi Vehicle Loans
We provide 100% financing. Used/refinanced vehicles exceeding 175,000 miles are not eligible for financing. Fixed rate loan on cars, trucks, or motorcycles. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 3.90% | 2014–2024 model year vehicles; rate stated as as low as. |
| 60–72 months | 4.90% | 2014–2024 model year vehicles; 5-6 year loan terms. |
| 12–36 months | 5.90% | 2007–2013 model year vehicles; rate stated as as low as. |
Sources (2)
All captured Oct 5, 2026
Who can join SUNY Fredonia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the New York Medical Center in Irving, New York are eligible for membership.
- Individuals with Fredonia Faculty Student Association are eligible for membership.
- Employees of the SUNY Fredonia Research Foundation are eligible for membership.
- Employees of the Campus and Community Children’s Center are eligible for membership.
Military, government and schools
- Employees of Fredonia State University of New York are eligible for membership.
- Students attending Fredonia State University in Fredonia, New York are eligible for membership.
8 more ways to join
Military, government and schools
- Alumni of Fredonia State University of New York (individuals who previously attended or graduated) are eligible for membership.
Family and household
- Immediate family members of alumni of Fredonia State University of New York are eligible for membership.
- Immediate family members of students attending Fredonia State University in Fredonia, New York are eligible for membership.
- Immediate family members of employees of the New York Medical Center in Irving, New York are eligible for membership.
- Immediate family members of Fredonia State University of New York employees are eligible for membership.
- Immediate family members of individuals with the Fredonia Faculty Student Association are eligible for membership.
- Immediate family members of employees of the SUNY Fredonia Research Foundation are eligible for membership.
- Immediate family members of employees of the Campus and Community Children’s Center are eligible for membership.
Membership information collected October 5, 2026.