Credit union · NCUA insured
Westar Federal Credit Union Auto Loan Rates
Westar Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 6.99% for a used one. Rates checked October 7, 2026.
How Westar Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Westar Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Westar Federal Credit Union
5.99%APR
- Terms
- 49–60 months
New Car Loan (2025 or Newer)
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
Westar Federal Credit Union auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Westar 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 Car Loan (2025 or Newer)
Rates are effective 04/16/2026. All loans are subject to approval. Membership restrictions apply. LTV 115%. Loan rates and terms are determined by each individual's credit history, underwriting factors, and loan-to-value. Salvage titles will be charged an additional 3.00% APR higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Up to 36 months; approximate payment $30.20 per $1000 financed |
| 37–48 months | 5.74% | 37 – 48 months; approximate payment $23.37 per $1000 financed |
| 49–60 months | 5.99% | 49 – 60 months; approximate payment $19.33 per $1000 financed |
| 61–72 months | 6.24% | 61 – 72 months; approximate payment $16.69 per $1000 financed |
| 73–84 months | 6.49% | 73 – 84 months; approximate payment $14.85 per $1000 financed |
Sources (1)
- westarfcu.com/rates/auto-motorcycle-loan-rates · captured Oct 7, 2026
Older Used Auto Loan (2017-2020)
Rates are effective 04/16/2026. All loans are subject to approval. Membership restrictions apply. LTV 100%. Loan rates and terms are determined by each individual's credit history, underwriting factors, and loan-to-value. Salvage titles will be charged an additional 3.00% APR higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | Up to 36 months; approximate payment $30.77 per $1000 financed |
| 37–48 months | 6.99% | 37 – 48 months; approximate payment $23.95 per $1000 financed |
| 49–60 months | 7.24% | 49 – 60 months; approximate payment $19.92 per $1000 financed |
| 61–72 months | 7.49% | 61 – 72 months; approximate payment $17.29 per $1000 financed |
Sources (1)
- westarfcu.com/rates/auto-motorcycle-loan-rates · captured Oct 7, 2026
Used Car Loan (2021-2024)
Rates are effective 04/16/2026. All loans are subject to approval. Membership restrictions apply. LTV 100%. Loan rates and terms are determined by each individual's credit history, underwriting factors, and loan-to-value. Salvage titles will be charged an additional 3.00% APR higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Up to 36 months; approximate payment $30.65 per $1000 financed |
| 37–48 months | 6.74% | 37 – 48 months; approximate payment $23.83 per $1000 financed |
| 49–60 months | 6.99% | 49 – 60 months; approximate payment $19.80 per $1000 financed |
| 61–72 months | 7.24% | 61 – 72 months; approximate payment $17.17 per $1000 financed |
| 73–84 months | 7.49% | 73 – 84 months; approximate payment $15.34 per $1000 financed |
Sources (1)
- westarfcu.com/rates/auto-motorcycle-loan-rates · captured Oct 7, 2026
Who can join Westar Federal Credit Union
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