Credit union · New York

First New York Federal Credit Union auto loan rates compared

JustAutoRates is an independent comparison site. We aren’t affiliated with the lenders listed here. To apply, visit the lender’s own site.

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

EligibilityPer First New York: If you live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, and Schoharie County or are related to a member, you are eligible for membership.

Visit lender Opens firstnewyork.org

Lowest new rate

3.99%APR, as low as

NewUp to 24 monthsFirst New York Federal Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 24 months at 3.99% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

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.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 7 rates

NYChecked Nov 13, 2026

New
As low as

3.99%APRUp to 24 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 24 months at 3.99% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 24 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 24 months, APR as low as* 3.99%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 3.99% APR, new, up to 24 monthsVisit lender, First New York Federal Credit Union, 3.99% APR, new, up to 24 months ↗

NYChecked Nov 13, 2026

New
As low as

4.24%APRUp to 36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 36 months at 4.24% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 36 months, APR as low as* 4.24%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 4.24% APR, new, up to 36 monthsVisit lender, First New York Federal Credit Union, 4.24% APR, new, up to 36 months ↗

NYChecked Nov 13, 2026

New
As low as

4.24%APRUp to 48 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 48 months at 4.24% APR. Estimated payment: $568/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 48 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 48 months, APR as low as* 4.24%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 4.24% APR, new, up to 48 monthsVisit lender, First New York Federal Credit Union, 4.24% APR, new, up to 48 months ↗

NYChecked Nov 13, 2026

New
As low as

4.24%APRUp to 60 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 4.24% APR. Estimated payment: $464/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 60 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 60 months, APR as low as* 4.24%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 4.24% APR, new, up to 60 monthsVisit lender, First New York Federal Credit Union, 4.24% APR, new, up to 60 months ↗

NYChecked Nov 13, 2026

New
As low as

4.49%APRUp to 72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 4.49% APR. Estimated payment: $397/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 72 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 72 months, APR as low as* 4.49%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 4.49% APR, new, up to 72 monthsVisit lender, First New York Federal Credit Union, 4.49% APR, new, up to 72 months ↗

NYChecked Nov 13, 2026

New
As low as

5.49%APRUp to 84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 5.49% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 84 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 84 months, APR as low as* 5.49%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 5.49% APR, new, up to 84 monthsVisit lender, First New York Federal Credit Union, 5.49% APR, new, up to 84 months ↗

NYChecked Nov 13, 2026

New
As low as

6.99%APRUp to 96 months

2026–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 6.99% APR. Estimated payment: $341/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 96 months. New Auto Loan: 2021-2027 Model Years, Terms Up To 96 months**, APR as low as* 6.99%. "Effective Date: November 1, 2026" "*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary." "**96 Month term ONLY available on NEW Automobile Model Years 2026-2027."

Checked Nov 13, 2026Source firstnewyork.org

Calculate payment, First New York Federal Credit Union, 6.99% APR, new, up to 96 months, 2026–2027 modelsVisit lender, First New York Federal Credit Union, 6.99% APR, new, up to 96 months, 2026–2027 models ↗
3.99%APR

New car

Visit lender, First New York Federal Credit Union, 3.99% APR, new, up to 24 months

NYChecked Nov 13, 2026Up to 24 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 24 months at 3.99% APR. Estimated payment: $1,086/mo

Assumes fixed APR, $0 down, no fees.

4.24%APR

New car

Visit lender, First New York Federal Credit Union, 4.24% APR, new, up to 36 months

NYChecked Nov 13, 2026Up to 36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 36 months at 4.24% APR. Estimated payment: $741/mo

Assumes fixed APR, $0 down, no fees.

4.24%APR

New car

Visit lender, First New York Federal Credit Union, 4.24% APR, new, up to 48 months

NYChecked Nov 13, 2026Up to 48 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 48 months at 4.24% APR. Estimated payment: $568/mo

Assumes fixed APR, $0 down, no fees.

4.24%APR

New car

Visit lender, First New York Federal Credit Union, 4.24% APR, new, up to 60 months

NYChecked Nov 13, 2026Up to 60 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 4.24% APR. Estimated payment: $464/mo

Assumes fixed APR, $0 down, no fees.

4.49%APR

New car

Visit lender, First New York Federal Credit Union, 4.49% APR, new, up to 72 months

NYChecked Nov 13, 2026Up to 72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 4.49% APR. Estimated payment: $397/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

New car

Visit lender, First New York Federal Credit Union, 5.49% APR, new, up to 84 months

NYChecked Nov 13, 2026Up to 84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 5.49% APR. Estimated payment: $360/mo

Assumes fixed APR, $0 down, no fees.

6.99%APR

New car

Visit lender, First New York Federal Credit Union, 6.99% APR, new, up to 96 months, 2026–2027 models

NY · 2026–2027 modelsChecked Nov 13, 2026Up to 96 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.LTV 125% or lessLTV 125% or less: Loan-to-value (loan amount vs. vehicle value) must be 125% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreMin. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Capital Region countiesCapital Region counties: For a specific group: only open to people who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County, NY, or relatives of 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 6.99% APR. Estimated payment: $341/mo

Assumes fixed APR, $0 down, no fees.