Credit union · NCUA insured
USALLIANCE Financial Auto Loan Rates
Top CarrotUSALLIANCE Financial auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How USALLIANCE Financial’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where USALLIANCE Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
USALLIANCE Financial
5.24%APR
- Terms
- 36–84 months
- Discount
- None included
Auto Loan
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
USALLIANCE Financial auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USALLIANCE Financial 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 Loan
Put anywhere from 0% to 20% down. Available for new or used cars. Terms between 36 and 84 months.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.24% | As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars. |
Sources (2)
All captured Oct 16, 2026
Who can join USALLIANCE Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals in community charter areas including West Haven (CT), qualifying districts of Manhattan, Mount Vernon, and the Bronx (NY), seven Massachusetts counties, and Bergen and Passaic counties (NJ) are eligible for membership.
Employers and groups
- Members of community-oriented organizations such as ASCAP, AOPA, Tread Lightly, and the New York Historical Society are eligible for membership.
- Employees of IBM, Marriott International, American Express, and PepsiCo are eligible for membership.
Military, government and schools
- Affiliates of many colleges and universities, houses of worship, and local and state employees of qualifying counties in New York are eligible for membership.
Membership information collected October 5, 2026.