Credit union · NCUA insured
Tri-Lakes Federal Credit Union Auto Loan Rates
Tri-Lakes Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How Tri-Lakes Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in New York, where Tri-Lakes Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tri-Lakes Federal Credit Union
6.25%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
Tri-Lakes Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tri-Lakes 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 Auto Loan
Available for cars, trucks, and new/used Harley Davidsons. 100% financing available. All loans subject to credit approval; rates based on creditworthiness. Current year vehicles with less than 5,000 miles or next model year vehicles with less than 100 miles. 72 months financing on vehicles valued over $25,000; 84 months financing on vehicles valued over $35,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.75% | Vehicles valued over $35,000. Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 72 months | 7.00% | Vehicles valued over $25,000. Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 66 months | 6.50% | Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 60 months | 6.25% | Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 48 months | 6.00% | Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 36 months | 6.00% | Current year with < 5,000 miles or next model year with < 100 miles. |
| up to 24 months | 6.00% | Current year with < 5,000 miles or next model year with < 100 miles. |
Sources (1)
- trilakesfcu.com/loans-and-lending · captured Oct 5, 2026
Used Auto Loan
Available for used cars, trucks, and new/used Harley Davidsons. All loans subject to credit approval; rates based on creditworthiness. Motorcycle loans are 1% above car rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.25% | — |
| up to 60 months | 6.50% | — |
| up to 48 months | 6.25% | — |
| up to 48 months | 8.25% | 48 months (9 years old and older) |
| up to 36 months | 6.00% | — |
Sources (1)
- trilakesfcu.com/loans-and-lending · captured Oct 5, 2026
Who can join Tri-Lakes Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the Town of Tupper Lake, Harrietstown, Franklin, Brighton, Santa Clara, St. Armand, Wilmington, Keene, or North Elba, New York are eligible to join.
- Businesses and other legal entities located in the Town of Tupper Lake, Harrietstown, Franklin, Brighton, Santa Clara, St. Armand, Wilmington, Keene, or North Elba, New York are eligible to join.
Employers and groups
- Employees of Tri-Lakes Federal Credit Union are eligible to join.
Family and household
- Members of the immediate family or household of eligible persons are eligible to join.
- Spouses of persons who died within the field of membership of the Credit Union are eligible to join.
Other ways
- Organizations of such eligible persons are eligible to join.
1 more way to join
Other ways
- Volunteers in the community are eligible to join.
Cost to join
- There is a one-time $5.00 entrance fee to become a member.
- Members must maintain a $5.00 balance in a Share/Savings account to keep the account open.
Membership information collected October 5, 2026.