Credit union · New York

Advantage Federal Credit Union auto loan rates compared

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New York · Headquarters New YorkChecked Nov 13, 2026Rate page on advantagefcu.org

EligibilityPer Advantage: Membership in Advantage is available to: Employees, retirees and volunteers of Advantage Select Employer Groups. Individuals who live, work, worship, volunteer, or attend school in the City of Rochester.* Immediate family members and household members of individuals who are eligible for membership. *City membership is open to zip codes 14604 through 14616; 14619 through 14621; 14627; 14649; or 14652.

Visit lender Opens advantagefcu.org

Lowest new rate

4.99%APR, as low as

NewUp to 60 monthsAdvantage Federal Credit Union

Rate details & disclosures

Example: $25,000 financed for 60 months at 4.99% APR. Estimated payment: $472/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.

NY lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 4 rates

NYChecked Nov 13, 2026

New
As low as

4.99%APRUp to 60 months

2024 or newer models

Requires:Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.99% APR. Estimated payment: $472/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as up to 60 months. Auto Loans: (Years 2024 & Newer), Up to 60 Months, APR as low as 4.99%. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 4.99% APR, new, up to 60 months, 2024 or newer modelsVisit lender, Advantage Federal Credit Union, 4.99% APR, new, up to 60 months, 2024 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.49%APR72 months

2024 or newer models

Requires:Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans: (Years 2024 & Newer), 72 Months, APR as low as 5.49%. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 5.49% APR, new, 72 months, 2024 or newer modelsVisit lender, Advantage Federal Credit Union, 5.49% APR, new, 72 months, 2024 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

6.49%APR84 months

2024 or newer models

Requires:Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans: (Years 2024 & Newer), 84 Months**, APR as low as 6.49%**. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate" "**Terms over 72 months have a minimum loan amount of $30,000"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 6.49% APR, new, 84 months, 2024 or newer modelsVisit lender, Advantage Federal Credit Union, 6.49% APR, new, 84 months, 2024 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

7.49%APR96 months

2024 or newer models

Requires:Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 7.49% APR. Estimated payment: $347/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as 96 months. Auto Loans: (Years 2024 & Newer), 96 Months**, APR as low as 7.49%**. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate" "**Terms over 72 months have a minimum loan amount of $30,000"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 7.49% APR, new, 96 months, 2024 or newer modelsVisit lender, Advantage Federal Credit Union, 7.49% APR, new, 96 months, 2024 or newer models ↗
4.99%APR

New car

Visit lender, Advantage Federal Credit Union, 4.99% APR, new, up to 60 months, 2024 or newer models

NY · 2024 or newer modelsChecked Nov 13, 2026Up to 60 months

Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 4.99% APR. Estimated payment: $472/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

5.49%APR

New car

Visit lender, Advantage Federal Credit Union, 5.49% APR, new, 72 months, 2024 or newer models

NY · 2024 or newer modelsChecked Nov 13, 202672 months

Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

6.49%APR

New car

Visit lender, Advantage Federal Credit Union, 6.49% APR, new, 84 months, 2024 or newer models

NY · 2024 or newer modelsChecked Nov 13, 202684 months

Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.49% APR. Estimated payment: $372/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

7.49%APR

New car

Visit lender, Advantage Federal Credit Union, 7.49% APR, new, 96 months, 2024 or newer models

NY · 2024 or newer modelsChecked Nov 13, 202696 months

Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 7.49% APR. Estimated payment: $347/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

UsedUsed car rates · 2 rates

NYChecked Nov 13, 2026

Used
As low as

5.74%APRUp to 60 months

2018–2023 models

Requires:Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as up to 60 months. Auto Loans: Used (Years 2018 to 2023), Up to 60 Months, APR as low as 5.74%. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 5.74% APR, used, up to 60 months, 2018–2023 modelsVisit lender, Advantage Federal Credit Union, 5.74% APR, used, up to 60 months, 2018–2023 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.24%APR72 months

2018–2023 models

Requires:Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.24% APR. Estimated payment: $418/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans: Used (Years 2018 to 2023), 72 Months, APR as low as 6.24%. "Auto Loans as of November 13, 2026" "Annual Percentage Rates (APR) will vary from 4.99% APR to 19.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates subject to change without notice." "Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate"

Checked Nov 13, 2026Source advantagefcu.org

Calculate payment, Advantage Federal Credit Union, 6.24% APR, used, 72 months, 2018–2023 modelsVisit lender, Advantage Federal Credit Union, 6.24% APR, used, 72 months, 2018–2023 models ↗
5.74%APR

Used car

Visit lender, Advantage Federal Credit Union, 5.74% APR, used, up to 60 months, 2018–2023 models

NY · 2018–2023 modelsChecked Nov 13, 2026Up to 60 months

Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

6.24%APR

Used car

Visit lender, Advantage Federal Credit Union, 6.24% APR, used, 72 months, 2018–2023 models

NY · 2018–2023 modelsChecked Nov 13, 202672 months

Rochester & employer groupsRochester & employer groups: For a specific group: only open to employees, retirees and volunteers of Advantage Select Employer Groups, people who live, work, worship, volunteer, or attend school in the City of Rochester (listed zip codes), and their immediate family and household members. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.24% APR. Estimated payment: $418/mo

Examples assume $25,000 financed, fixed APR, $0 down, no fees.