Credit union · NCUA insured
Utica Gas & Electric Federal Credit Union Auto Loan Rates
Top CarrotUtica Gas & Electric Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Utica Gas & Electric Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where Utica Gas & Electric Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utica Gas & Electric Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- None included
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
- Discount
- None included
Utica Gas & Electric Federal Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utica Gas & Electric 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
Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 60 months | 4.49% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 72 months | 4.99% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 84 months | 5.49% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 96 months | 6.49% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
Sources (1)
- ugefcu.com/rates · captured Oct 7, 2026
Used Vehicle
Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 60 months | 4.99% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 72 months | 5.74% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
| up to 84 months | 6.49% | Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account. |
Sources (1)
- ugefcu.com/rates · captured Oct 7, 2026
Who can join Utica Gas & Electric 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 employees of National Grid and listed select employer groups (SEGs).
Family and household
- Membership is open to family members and household members of eligible employees.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 5, 2026.