Credit union · NCUA insured
Tompkins Employees FCU Auto Loan Rates
Tompkins Employees FCU auto loans start at 6.75% APR for a new vehicle and 7.50% for a used one. Rates checked October 16, 2026.
How Tompkins Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Ithaca, NY, where Tompkins Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tompkins Employees FCU
6.75%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
New Automobile Loans (models 2022-2026)
Lowest rate
Beginnings Credit Union
5.00%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Chase
6.24%APR
- Terms
- up to 60 months
- Up to
- —
Tompkins Employees FCU auto loan score
62
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew6.75%
- Used vehicleUsed7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tompkins Employees 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.
New Automobile Loans (models 2022-2026)
Models 2022-2026. Rates subject to change at any time without notice. Equity Adjustments: subtract 0.25% to 2.00% depending on credit tier if LTV <= 75.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00%–15.50% | Credit tiers: A Plus (730 Plus) to E (Below 549) |
| 37–48 months | 6.25%–15.75% | Credit tiers: A Plus (730 Plus) to E (Below 549) |
| up to 60 months | 6.75%–16.25% | Credit tiers: A Plus (730 Plus) to E (Below 549) |
| up to 72 months | 7.75%–17.25% | Credit tiers: A Plus (730 Plus) to E (Below 549) |
| up to 84 months | 8.50%–17.99% | Credit tiers: A Plus (730 Plus) to E (Below 549) |
Sources (1)
- tefcu.com/ps/rates.php · captured Oct 16, 2026
Used Automobile Loans (models 2017-2021)
Models 2017-2021. Rates subject to change at any time without notice. Equity Adjustments: subtract 0.25% to 2.00% depending on credit tier if LTV <= 75.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00%–16.00% | Credit tiers: A Plus (730 plus) to E (Below 549) |
| 37–48 months | 7.00%–16.50% | Credit tiers: A Plus (730 plus) to E (Below 549) |
| up to 60 months | 7.50%–17.00% | Credit tiers: A Plus (730 plus) to E (Below 549) |
| up to 72 months | 8.50%–17.99% | Credit tiers: A Plus (730 plus) to E (Below 549) |
| up to 84 months | 8.75%–17.99% | Credit tiers: A Plus (730 plus) to E (Below 549) |
Sources (1)
- tefcu.com/ps/rates.php · captured Oct 16, 2026
Who can join Tompkins Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Persons employed in the Tompkins County Biggs Complex in Ithaca, NY are eligible for membership, unless eligible for membership in another credit union.
- Employees, medical staff, volunteers, and registered students in training at Cayuga Medical Center are eligible for membership.
- Employees of the credit union, retirees/pensioners/annuitants from qualifying employments, and organizations of such persons are eligible for membership.
- Employees of Ithaca Housing Authority, Triangle Steel, Inc., Hospice, or Bangs Ambulance, Inc. who work in Ithaca, NY are eligible for membership.
- Employees of Mail Box are eligible for membership.
- Employees, members, and volunteers of Shot in the Dark who work in Tompkins County, NY are eligible for membership.
3 more ways to join
Employers and groups
- Employees of US Bulk who work in Trumansburg, NY are eligible for membership.
Military, government and schools
- Employees and elected and appointed officials of specified local governmental units in NY are eligible for membership.
Family and household
- Immediate family members of eligible persons and surviving spouses of persons who died while in the field of membership are eligible for membership.
Membership information collected October 5, 2026.