Credit union · NCUA insured
Utica District Telephone Employees Federal Credit Union Auto Loan Rates
Utica District Telephone Employees Federal Credit Union auto loans start at 4.75% APR for a new vehicle. Rates checked October 16, 2026.
How Utica District Telephone Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where Utica District Telephone Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utica District Telephone Employees Federal Credit Union
4.75%APR
- Terms
- —
New Vehicle Loans
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Utica District Telephone Employees Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utica District Telephone 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.
New Vehicle Loans
Available to employees of Verizon, Spectrum, Northland Communications and their families.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | — |
Sources (1)
- utelfcu.net · captured Oct 7, 2026
Who can join Utica District Telephone 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This may be incomplete or out of date, so check with the credit union before you apply.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 this Credit Union are eligible for membership.
- Employees of Verizon & subsidiaries, Spectrum Cable, and Northland Communications are eligible for membership.
Family and household
- Immediate family members and permanent household members of eligible persons, as well as surviving spouses of persons who died while in the field of membership, are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
Membership information collected October 5, 2026.