Credit union · NCUA insured
VAH LYONS EMPLOYEES FEDERAL CREDIT UNION Auto Loan Rates
VAH LYONS EMPLOYEES FEDERAL CREDIT UNION auto loans start at 5.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 22, 2026.
How VAH LYONS EMPLOYEES FEDERAL CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where VAH LYONS EMPLOYEES FEDERAL CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
VAH LYONS EMPLOYEES FEDERAL CREDIT UNION
5.50%APR
- Terms
- up to 60 months
- Up to
- 9.95% APR
- Discount
- None included
New Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
VAH LYONS EMPLOYEES FEDERAL CREDIT UNION auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VAH LYONS 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 Auto Loans
Repayment terms ranging from 30 to 84 months (up to 96 months for 2023 & up). Up to 100% financing available (up to 125% NADA base retail value depending on credit tier). Credit scores must consist of a minimum of 4 trade lines for 1 year; otherwise 'C' rate will apply. $550.00 allowance for GAP. For a refinanced vehicle, vehicle must be current year or within 12 months of the current year for new rate. Max aggregate amount is $35,000 for A and B tier only. Max miles on auto is 110,000. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 4.50%–9.25% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 36 months | 4.75%–9.50% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 48 months | 5.25%–9.50% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 60 months | 5.50%–9.95% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 72 months | 6.00%–10.00% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. 2015 to 2016 maximum term 72 months. |
| up to 84 months | 6.25%–10.75% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. 2018 & 2019 maximum term 84 months. |
| up to 96 months | 6.25%–9.25% | 2023 & up maximum term 96 months. Available for tiers A (6.25%), B (8.00%), and C (9.25%); N/A for tiers D and E. Max aggregate amount $35,000 for A and B tier only. |
Used Auto Loans
Repayment terms ranging from 30 to 84 months. Up to 100% financing available (up to 125% NADA base retail value depending on credit tier). Credit scores must consist of a minimum of 4 trade lines for 1 year; otherwise 'C' rate will apply. $550.00 allowance for GAP. Any vehicle older than 2012 will be considered as a signature loan and follow signature rates. Max aggregate amount is $35,000 for A and B tier only. Max miles on auto is 110,000. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 5.50%–9.95% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 36 months | 5.75%–10.25% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 48 months | 5.95%–10.50% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 60 months | 6.50%–11.25% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. |
| up to 72 months | 7.00%–12.00% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. 2015 to 2016 maximum term 72 months. |
| up to 84 months | 7.50%–12.25% | Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only. 2018 & 2019 maximum term 84 months. |
Who can join VAH LYONS EMPLOYEES 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 individuals employed by one of the credit union's Select Employee Groups (SEGs).
Military, government and schools
- Membership is open to VAH Lyons Medical Center employees and NJ Veterans Affairs Department Locations.
Family and household
- Membership is open to immediate family or household members of current credit union members.
Membership information collected October 5, 2026.