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UHS Employees Federal Credit Union Auto Loan Rates

UHS Employees Federal Credit Union auto loans start at 5.65% APR for a new vehicle and 5.65% for a used one. Rates checked October 16, 2026.

How UHS Employees Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Binghamton, NY, where UHS Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    UHS Employees Federal Credit Union

    5.65%APR

    Terms
    up to 84 months

    New Auto Loan

  • Top Carrot, Carrot Score 87

    Lowest rate

    Broadview Federal Credit Union

    4.24%APR

    Terms
    up to 60 months

    Broadview Federal Credit Union rates

  • Top Carrot, Carrot Score 91

    2nd-lowest rate

    GHS FCU

    4.99%APR

    Terms
    up to 60 months

    GHS FCU rates

Compare auto loan rates near you →

UHS Employees Federal Credit Union auto loan score

71

Auto loan score

Higher than 28% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.65%
  • Used vehicleUsed5.65%

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 UHS 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 UHS Employees 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This may be incomplete or out of date, so check with the credit union before you apply.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 Aramark who work at United Health Services, Inc. facilities in Broome County, New York are eligible for membership.
  • Employees of Broome Nurse Practitioners, PC are eligible for membership.
  • Employees of UHS Employees Federal Credit Union are eligible for membership.
  • Employees of Diabetic Care Associates who work in, or are paid or supervised from Binghamton, New York are eligible for membership.
  • Employees of Guthrie Clinic who work in Vestal or Maine, NY are eligible for membership.
  • Employees of Morris Protective Services, Inc. who work at United Health Services facilities in Broome County, New York are eligible for membership.
11 more ways to join

Employers and groups

  • Employees of Park Avenue Associates in Radiology, PC/d/b/a Southern Tier Imaging are eligible for membership.
  • Employees of Plastic Surgeons of Southern Tier, P.C. who work in Binghamton, NY are eligible for membership.
  • Persons retired as pensioners or annuitants from any qualifying employment are eligible for membership.
  • Employees of Sodexho Health Care Services who work at United Health Services, Inc. facilities in Broome County, New York are eligible for membership.
  • Employees of Tier Orthopedic Associates, P.C. who work in Binghamton, NY are eligible for membership.
  • Employees, doctors, medical staff, technicians, and volunteers of United Health Services Inc. and its specified affiliates in Binghamton, Johnson City, or Endicott, New York are eligible for membership.
  • Employees of United Med. Management or United Medical Associates, P.C. who work and are paid from Johnson City, NY are eligible for membership.

Family and household

  • Immediate family members (including spouse, child, sibling, parent, grand/step relatives, foster children) and household members living in the same residence with a current credit union member are eligible for membership.
  • Spouses of persons who died while within the field of membership of the credit union are eligible for membership.

Other ways

  • Any corporate or legal entity listed within the qualifying groups is eligible for membership.
  • Organizations composed of members of the credit union or persons within the field of membership are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← UHS Employees Federal Credit Union overview