Credit union · NCUA insured
TCT FCU Auto Loan Rates
Top CarrotTCT FCU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How TCT FCU’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where TCT FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TCT FCU
4.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Conventional Auto Loan
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
TCT FCU auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TCT FCU 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 Equity Loan
Eligible vehicles defined as automobiles, SUVs & Trucks. (No Motorcycles / Sport crafts). Rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT account. Credit qualifications determine rate and term. Collision and comprehensive insurance required. Low cost GAP Protection available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | Model years 2023 & newer. Monthly payment per $1,000 is $30.97. |
| up to 48 months | 8.00% | Model years 2023 & newer. Monthly payment per $1,000 is $24.50. |
| up to 60 months | 9.20% | Model years 2023 & newer. Monthly payment per $1,000 is $20.94. |
| up to 36 months | 7.50% | Model years 2022 & older. Monthly payment per $1,000 is $31.20. |
| up to 48 months | 8.20% | Model years 2022 & older. Monthly payment per $1,000 is $24.59. |
| up to 60 months | 9.45% | Model years 2022 & older. Monthly payment per $1,000 is $21.06. |
Sources (1)
- tctfcu.org/loan-rates · captured Oct 16, 2026
Conventional Auto Loan
Must become a member to close on a loan. Rates reflect a 0.25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Credit qualifications determine rate and term. Collision and comprehensive insurance required. Vehicles defined as automobiles, SUVs, and motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Model years 2023 & newer. Monthly payment per $1,000 is $29.41. |
| up to 60 months | 4.50% | Model years 2023 & newer. Monthly payment per $1,000 is $18.64. |
| up to 72 months | 5.00% | Model years 2023 & newer. Requires a minimum loan amount of $15,000. Monthly payment per $1,000 is $16.10. |
| up to 84 months | 6.50% | Eligible for current model year only. Requires a minimum loan amount of $30,000. Monthly payment per $1,000 is $14.85. |
| up to 36 months | 4.74% | Model years 2022 & older. Monthly payment per $1,000 is $29.86. |
| up to 48 months | 5.25% | Model years 2022 & older. Monthly payment per $1,000 is $23.14. |
| up to 60 months | 5.74% | Model years 2022 & older. Monthly payment per $1,000 is $19.21. |
| up to 72 months | 6.00% | Model years 2022 & older. Requires a minimum loan amount of $20,000. Monthly payment per $1,000 is $16.57. |
Sources (1)
- tctfcu.org/auto-refinance · captured Oct 16, 2026
Payment Saver Auto Loan
Future year, current year, and used vehicles up to 5 model years old are eligible. Excludes grey market, lemon law, and salvaged vehicles. Rates reflect a 0.25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. Credit qualifications determine rate and term. Collision and comprehensive insurance required. Guaranteed Future Value residual at maturity; 90-day payment deferment not available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Model years 2023 & newer. Monthly payments factored specifically to vehicle. |
| up to 60 months | 5.50% | Model years 2023 & newer. Monthly payments factored specifically to vehicle. |
| up to 72 months | 6.00% | Model years 2023 & newer. Requires a minimum loan amount of $15,000. |
| up to 36 months | 5.74% | Model years 2022 & 2021. |
| up to 48 months | 6.25% | Model years 2022 & 2021. |
| up to 60 months | 6.74% | Model years 2022 & 2021. |
Sources (3)
All captured Oct 16, 2026
Who can join TCT FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff at 47 school districts are eligible for membership.
- Students at eligible schools are eligible for TCT membership.
Membership information collected October 5, 2026.