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Credit union · NCUA insured

Town of Hempstead Employees Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 89Top Carrot

Town of Hempstead Employees Federal Credit Union auto loans start at 4.00% APR for a new vehicle and 4.00% for a used one. Rates checked October 16, 2026.

How Town of Hempstead Employees Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near New York, NY-NJ, where Town of Hempstead Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 89

    This credit union’s lowest

    Town of Hempstead Employees Federal Credit Union

    4.00%APR

    Terms
    up to 60 months
    Discount
    None included

    New Auto 2025-2026

  • Lowest rate

    Westchester Schools FCU

    2.90%APR

    Terms
    up to 72 months
    Discount
    None included

    Westchester Schools FCU rates

  • 2nd-lowest rate

    PSFCU

    3.50%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    PSFCU rates

Compare auto loan rates near you →

Town of Hempstead Employees Federal Credit Union auto loan score

94

Auto loan score

Higher than 96% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.00%
  • Used vehicleUsed4.00%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Town of Hempstead Employees 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.

Who can join Town of Hempstead Employees Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Membership is open to members or employees of the Baldwin Chamber of Commerce.
  • Membership is open to employees of South Shore Association For Independent Living, Inc.

Military, government and schools

  • Membership is open to members or employees of the Bellerose Terrace Fire District.
  • Membership is open to employees of the Library districts within the Town of Hempstead.
  • Membership is open to employees of the Sanitary districts within the Town of Hempstead.
  • Membership is open to employees of the Town of Hempstead, New York.
8 more ways to join

Military, government and schools

  • Membership is open to employees of the Village of Atlantic Beach, New York.
  • Membership is open to employees of the Village of East Rockaway, New York.
  • Membership is open to employees of the Village of Freeport, New York.
  • Membership is open to employees of the Village of Hempstead, New York.
  • Membership is open to employees of the Village of Island Park, New York.
  • Membership is open to employees of the Village of Lynbrook, New York.
  • Membership is open to volunteer firefighters within the Town of Hempstead.

Family and household

  • All family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, sisters and their spouses and children, are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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