Credit union · New York

G.P.O. Federal Credit Union auto loan rates compared

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New York · Headquarters New YorkChecked Nov 13, 2026Rate page on gpofcu.com

EligibilityPer GPO: You're eligible if you live, work, worship, or attend school in: Hamilton County Herkimer County Oneida County Madison County Otsego County Chenango County Onondaga County Lewis County Essex County

Visit lender Opens gpofcu.com

Lowest new rate

3.99%APR, as low as

New1–60 monthsG.P.O. Federal Credit Union

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 3.99% APR. Estimated payment: $461/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.

NewNew car rates · 4 rates

NYChecked Nov 13, 2026

New
As low as

3.99%APR1–60 months

2023–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 3.99% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 1-60 months. New Auto Loans (2023-2027): 1 to 60 months, Annual Percentage Rate (APR) as low as 3.99% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details."

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 3.99% APR, new, 1–60 months, 2023–2027 modelsVisit lender, G.P.O. Federal Credit Union, 3.99% APR, new, 1–60 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

3.99%APR61–66 months

2023–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 3.99% APR. Estimated payment: $423/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-66 months. New Auto Loans (2023-2027): 61 to 66 months, Annual Percentage Rate (APR) as low as 3.99% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details."

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 3.99% APR, new, 61–66 months, 2023–2027 modelsVisit lender, G.P.O. Federal Credit Union, 3.99% APR, new, 61–66 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

4.99%APR67–72 months

2023–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 4.99% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. New Auto Loans (2023-2027): 67 to 72 months, Annual Percentage Rate (APR) as low as 4.99% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details."

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 4.99% APR, new, 67–72 months, 2023–2027 modelsVisit lender, G.P.O. Federal Credit Union, 4.99% APR, new, 67–72 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

5.74%APR73–84 months

2025–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. New Auto Loans (2023-2027): 73 to 84 months, Annual Percentage Rate (APR) as low as 5.74% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details." "*2025-2027 models only"

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 5.74% APR, new, 73–84 months, 2025–2027 modelsVisit lender, G.P.O. Federal Credit Union, 5.74% APR, new, 73–84 months, 2025–2027 models ↗
3.99%APR

New car

Visit lender, G.P.O. Federal Credit Union, 3.99% APR, new, 1–60 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 20261–60 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 3.99% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

3.99%APR

New car

Visit lender, G.P.O. Federal Credit Union, 3.99% APR, new, 61–66 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202661–66 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 3.99% APR. Estimated payment: $423/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

New car

Visit lender, G.P.O. Federal Credit Union, 4.99% APR, new, 67–72 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202667–72 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 4.99% APR. Estimated payment: $403/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, G.P.O. Federal Credit Union, 5.74% APR, new, 73–84 months, 2025–2027 models

NY · 2025–2027 modelsChecked Nov 13, 202673–84 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 2 rates

NYChecked Nov 13, 2026

Used
As low as

4.74%APR1–60 months

2019–2022 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 4.74% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 1-60 months. Used Auto Loans (2019-2022): 1 to 60 months, Annual Percentage Rate (APR) as low as 4.74% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details."

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 4.74% APR, used, 1–60 months, 2019–2022 modelsVisit lender, G.P.O. Federal Credit Union, 4.74% APR, used, 1–60 months, 2019–2022 models ↗

NYChecked Nov 13, 2026

Used
As low as

5.99%APR61–66 months

2019–2022 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.99% APR. Estimated payment: $446/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-66 months. Used Auto Loans (2019-2022): 61 to 66 months, Annual Percentage Rate (APR) as low as 5.99% APR*. "*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice." "See branch for full details."

Checked Nov 13, 2026Source gpofcu.com

Calculate payment, G.P.O. Federal Credit Union, 5.99% APR, used, 61–66 months, 2019–2022 modelsVisit lender, G.P.O. Federal Credit Union, 5.99% APR, used, 61–66 months, 2019–2022 models ↗
4.74%APR

Used car

Visit lender, G.P.O. Federal Credit Union, 4.74% APR, used, 1–60 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 20261–60 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. 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 4.74% APR. Estimated payment: $469/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

Used car

Visit lender, G.P.O. Federal Credit Union, 5.99% APR, used, 61–66 months, 2019–2022 models

NY · 2019–2022 modelsChecked Nov 13, 202661–66 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, or attend school in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County, NY. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.99% APR. Estimated payment: $446/mo

Assumes fixed APR, $0 down, no fees.