Credit union · NCUA insured
Ulster Federal Credit Union Auto Loan Rates
Ulster Federal Credit Union auto loans start at 5.00% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Ulster Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kingston, NY, where Ulster Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ulster Federal Credit Union
5.00%APR
- Terms
- 37–60 months
- Up to
- 10.00% APR
- Discount
- Included in the rate
New Vehicles auto_loan
Lowest rate
TEG Federal Credit Union
4.74%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Rhinebeck Bank
5.04%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Ulster Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ulster 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 Vehicles auto_loan
Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options. GAP insurance required for 100% financing. Risk Based Pricing Program – The rates on our risk based pricing program are based on 'risk scores' calculated by the credit bureau. The most common rating is the 'C' rating; 'A' is lowest risk; 'E' is highest risk.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.25%–9.25% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 37–60 months | 5.00%–10.00% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 61–72 months | 5.25%–10.25% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 73–84 months | 6.25%–11.25% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
Sources (1)
- ulsfedcu.org/rates.html · captured Oct 5, 2026
Used Vehicles auto_loan
Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options. GAP insurance required for 100% financing. Risk Based Pricing Program – The rates on our risk based pricing program are based on 'risk scores' calculated by the credit bureau. The most common rating is the 'C' rating; 'A' is lowest risk; 'E' is highest risk.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.25%–10.25% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 37–60 months | 5.50%–10.50% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 61–72 months | 5.75%–10.75% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
| 73–84 months | 6.50%–11.50% | Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing. |
Sources (1)
- ulsfedcu.org/rates.html · captured Oct 5, 2026
Who can join Ulster 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
- Membership is open to anyone who lives, works, worships, or attends school in Ulster County, New York.
Employers and groups
- Membership is open to businesses and other legal entities in the Ulster County community.
Family and household
- Membership extends to members' families—including spouse, children, grandchildren, siblings, parents, grandparents, and members of the immediate household—regardless of where they live.
Cost to join
- A deposit of $1.00 is required for the member savings account upon opening an account.
Membership information collected October 5, 2026.