Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–7 of 7 in Watertown, NY metro · median 5.24% APR
- 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR. Maximum loan term not to exceed 84 months. Valid on new and used auto, motorcycle, power sports, residential equipment, marine, Paysaver auto loans, and recreational vehicle loans. Offer expires 8/31/26.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
$5 credit union membership deposit required. Vehicles older than 6 years receive personal loan rates. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Promotional cash back of $500 on approved new/used auto loans (min $20,000 financed) or $150 cash back on approved refinanced auto loans (min $20,000 refinanced).
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - State CS Employees Federal Credit UnionAuto & Motorcycle Loans · up to 60 months
Credit union · 2 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
5.49% APR based on a 72 month term with a credit score of 730 or above on a 2022 or newer vehicle. Valid on loans for new and used purchases or refinances from other financial institutions. Enhanced Loyalty Rewards cannot be used in conjunction with this offer.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Model Year: 2024-2023; Credit Score: 740 Plus
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.26%APRas low as
Terms
Interest rate is 7.250%.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Watertown, NY metro
7 banks and credit unions · checked Oct 15–16
- Typical
- 5.24%
- Top 10% up to
- 4.56%
- Banks, typical
- 7.13%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Watertown, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriCU Credit UnionCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch