Credit union · NCUA insured
Union Building Trades Federal Credit Union Auto Loan Rates
Union Building Trades Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Union Building Trades Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Union Building Trades Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Union Building Trades Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Autos-2026
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Union Building Trades Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Union Building Trades 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.
Auto Secured (older than 2020)
For vehicles older than 2020. Special limitations apply on all terms and rates; please contact the credit union for more information.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.49% | Special limitations apply on all terms and rates, please contact the credit union for more information. |
Sources (1)
- ubtfcu.org/loan_rates · captured Oct 7, 2026
New Autos-2026
All rates are APR and subject to change without notice. Special limitations apply on all terms and rates; promotional APR is not available for refinancing current UBTFCU loans. Offer applies to vehicle loans only. Actual rate can vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | As low as *4.99%†. Special limitations apply on all terms and rates. |
| up to 48 months | 4.99% | As low as *4.99%†. Special limitations apply on all terms and rates. |
| up to 60 months | 4.99% | As low as *4.99%†. Special limitations apply on all terms and rates. |
| up to 72 months | 5.74% | Loans over $25,000. Special limitations apply on all terms and rates. |
Sources (1)
- ubtfcu.org/loan_rates · captured Oct 7, 2026
Used Auto (2020)
For model year 2020. All rates are APR and subject to change without notice. Special limitations apply on all terms and rates; promotional APR is not available for refinancing current UBTFCU loans. Actual rate can vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | As low as *7.49%†. Special limitations apply on all terms and rates. |
| up to 48 months | 7.49% | As low as *7.49%†. Special limitations apply on all terms and rates. |
Sources (1)
- ubtfcu.org/loan_rates · captured Oct 7, 2026
Used Auto (2023-2021)
For model years 2023-2021. All rates are APR and subject to change without notice. Special limitations apply on all terms and rates; promotional APR is not available for refinancing current UBTFCU loans. Actual rate can vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | As low as *5.74%†. Special limitations apply on all terms and rates. |
| up to 48 months | 5.99% | As low as *5.99%†. Special limitations apply on all terms and rates. |
| up to 60 months | 6.24% | As low as *6.24%†. Special limitations apply on all terms and rates. |
Sources (1)
- ubtfcu.org/loan_rates · captured Oct 7, 2026
Used Auto (2025 & 2024)
For model years 2025 & 2024. All rates are APR and subject to change without notice. Special limitations apply on all terms and rates; promotional APR is not available for refinancing current UBTFCU loans. Actual rate can vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | As low as *5.49%†. Special limitations apply on all terms and rates. |
| up to 48 months | 5.49% | As low as *5.49%†. Special limitations apply on all terms and rates. |
| up to 60 months | 5.74% | As low as *5.74%†. Special limitations apply on all terms and rates. |
| up to 72 months | 6.24% | As low as *6.24%†. Special limitations apply on all terms and rates. |
Sources (1)
- ubtfcu.org/loan_rates · captured Oct 7, 2026
Who can join Union Building Trades 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 belonging to authorized participating union organizations and councils.
- Individuals who work in the building trades field whose home local is not affiliated directly with UBTFCU can join through CIF association.
Family and household
- Membership is open to individuals related through either blood or marriage / family members of members from the participating union locals.
Cost to join
- A minimum deposit / share balance of $5.00 is required to open and maintain an account.
Membership information collected October 5, 2026.