Credit union · NCUA insured
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) Auto Loan Rates
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) auto loans start at 6.99% APR for a new vehicle. Rates checked October 16, 2026.
How Van Cortlandt Cooperative Federal Credit Union (VCCFCU)’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Van Cortlandt Cooperative Federal Credit Union (VCCFCU) has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Van Cortlandt Cooperative Federal Credit Union (VCCFCU)
6.99%APR
- Terms
- 48–60 months
- Discount
- None included
New Vehicles
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
Van Cortlandt Cooperative Federal Credit Union (VCCFCU) auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Van Cortlandt Cooperative Federal Credit Union (VCCFCU) 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 Vehicles
Before any loan is disbursed, a 5% down payment is required to be held in savings account for the length of the loan. Finances up to 100% of purchase price, including tax and tags.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 3 year Automobile Loan; maximum amount financed up to 100% |
| 36–48 months | 5.99% | 4 year Automobile Loan; maximum amount financed up to 100% |
| 48–60 months | 6.99% | 5 year Automobile Loan; maximum amount financed up to 100% |
| 60–72 months | 7.99% | 6 year Automobile Loan; maximum amount financed up to 100% |
Sources (2)
All captured Oct 6, 2026
Pre-owned
Before any loan is disbursed, a 5% down payment is required to be held in savings account for the length of the loan. Only finances vehicles purchased from a car dealer (no private sales, individual sales, or lease buyouts). For cars less than 4 years old, finances up to 100% of value price. Used vehicles over 4 years old need to be collateralized with co-signers.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Used Cars – up to 4 years old; maximum amount financed up to 100% of value price |
Sources (2)
All captured Oct 6, 2026
Who can join Van Cortlandt Cooperative Federal Credit Union (VCCFCU)
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Amalgamated, Park Reservoir, Mutual, Orloff Towers, and Cannon Heights Cooperatives are eligible for membership.
- Employees of the Van Cortlandt Cooperative Federal Credit Union are eligible for membership.
- Members of the Van Cortlandt Jewish Center are eligible for membership.
- Employees, Board members, and members of the Van Cortlandt Park Alliance in Bronx, NY are eligible for membership.
Military, government and schools
- Employees and students of the Amalgamated Nursery school are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepchild, stepparent, stepsibling, and adopted child) of Van Cortlandt Cooperative Federal Credit Union members are eligible for membership.
2 more ways to join
Family and household
- Household members of Van Cortlandt Cooperative Federal Credit Union members are eligible for membership.
Other ways
- Residents of the Amalgamated, Park Reservoir, Mutual, Orloff Towers, and Cannon Heights Cooperatives are eligible for membership.
Membership information collected October 5, 2026.