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Bank · FDIC insured

Watertown Savings Bank Auto Loan Rates

Watertown Savings Bank auto loans start at 7.26% APR for a new vehicle and 8.26% for a used one. Rates checked October 16, 2026.

How Watertown Savings Bank’s auto loan rates compare

Compared with banks and credit unions near Watertown, NY, where Watertown Savings Bank has the most branches. New vehicle, lowest advertised APR first.

  • This bank’s lowest

    Watertown Savings Bank

    7.26%APR

    Terms
    up to 72 months

    New Vehicles

  • Top Carrot, Carrot Score 88

    Lowest rate

    Navy Federal Credit Union

    4.29%APR

    Terms
    37–60 months

    Navy Federal Credit Union rates

  • Top Carrot, Carrot Score 91

    2nd-lowest rate

    AmeriCU Credit Union

    4.74%APR

    Terms
    up to 84 months

    AmeriCU Credit Union rates

Compare auto loan rates near you →

Watertown Savings Bank auto loan score

61

Auto loan score

Higher than 3% of U.S. banks and credit unions

By vehicle
  • New vehicleNew7.26%
  • Used vehicleUsed8.26%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Watertown Savings Bank ranks

By auto loan score, in each area where it has branches

Every rate

Current auto loan rates

Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details
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