Credit union · New York

Mid-Hudson Valley 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 mhvfcu.com

EligibilityPer MHV: You can become a member if you live, work, worship, or attend school in any of these New York counties: Dutchess · Orange · Putnam · Rockland · Sullivan · Ulster · Westchester

Visit lender Opens mhvfcu.com

Lowest new rate

5.44%APR, as low as

New1–36 monthsMid-Hudson Valley Federal Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester County, NY. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.44% APR. Estimated payment: $755/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 · 4 rates

NYChecked Nov 13, 2026

New
As low as

5.44%APR1–36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 5.44% APR. Estimated payment: $755/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 1-36 months. New Car, Truck & Motorcycle Loans: 1-36 Months Term, APR* as low as 5.440%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

New
As low as

5.99%APR37–66 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 37-66 months. New Car, Truck & Motorcycle Loans: 37-66 Months Term, APR* as low as 5.990%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

New
As low as

6.09%APR67–72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.09% APR. Estimated payment: $416/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. New Car, Truck & Motorcycle Loans: 67-72 Months Term, APR* as low as 6.090%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

New
As low as

6.89%APR73–84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.89% APR. Estimated payment: $376/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. New Car, Truck & Motorcycle Loans: 73-84 Months Term, APR* as low as 6.890%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

5.44%APR

New car

Visit lender, Mid-Hudson Valley Federal Credit Union, 5.44% APR, new, 1–36 months

NYChecked Nov 13, 20261–36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 5.44% APR. Estimated payment: $755/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

New car

Visit lender, Mid-Hudson Valley Federal Credit Union, 5.99% APR, new, 37–66 months

NYChecked Nov 13, 202637–66 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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.

6.09%APR

New car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.09% APR, new, 67–72 months

NYChecked Nov 13, 202667–72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.09% APR. Estimated payment: $416/mo

Assumes fixed APR, $0 down, no fees.

6.89%APR

New car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.89% APR, new, 73–84 months

NYChecked Nov 13, 202673–84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.89% APR. Estimated payment: $376/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 4 rates

NYChecked Nov 13, 2026

Used
As low as

6.24%APR1–36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 6.24% APR. Estimated payment: $764/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 1-36 months. Used Car, Truck & Motorcycle Loans/Refinances: 1-36 Months Term, APR* as low as 6.240%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Used
As low as

6.24%APR37–66 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-66 months. Used Car, Truck & Motorcycle Loans/Refinances: 37-66 Months Term, APR* as low as 6.240%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Used
As low as

6.34%APR67–72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.34% APR. Estimated payment: $419/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. Used Car, Truck & Motorcycle Loans/Refinances: 67-72 Months Term, APR* as low as 6.340%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Used
As low as

6.94%APR73–84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.94% APR. Estimated payment: $377/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Used Car, Truck & Motorcycle Loans/Refinances: 73-84 Months Term, APR* as low as 6.940%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

6.24%APR

Used car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.24% APR, used, 1–36 months

NYChecked Nov 13, 20261–36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 6.24% APR. Estimated payment: $764/mo

Assumes fixed APR, $0 down, no fees.

6.24%APR

Used car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.24% APR, used, 37–66 months

NYChecked Nov 13, 202637–66 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

6.34%APR

Used car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.34% APR, used, 67–72 months

NYChecked Nov 13, 202667–72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.34% APR. Estimated payment: $419/mo

Assumes fixed APR, $0 down, no fees.

6.94%APR

Used car

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.94% APR, used, 73–84 months

NYChecked Nov 13, 202673–84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.94% APR. Estimated payment: $377/mo

Assumes fixed APR, $0 down, no fees.

RefiRefinance rates · 4 rates

NYChecked Nov 13, 2026

Refi
As low as

6.24%APR1–36 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 6.24% APR. Estimated payment: $764/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 1-36 months. Used Car, Truck & Motorcycle Loans/Refinances: 1-36 Months Term, APR* as low as 6.240%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Refi
As low as

6.24%APR37–66 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-66 months. Used Car, Truck & Motorcycle Loans/Refinances: 37-66 Months Term, APR* as low as 6.240%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Refi
As low as

6.34%APR67–72 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.34% APR. Estimated payment: $419/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. Used Car, Truck & Motorcycle Loans/Refinances: 67-72 Months Term, APR* as low as 6.340%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

NYChecked Nov 13, 2026

Refi
As low as

6.94%APR73–84 months

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.94% APR. Estimated payment: $377/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Used Car, Truck & Motorcycle Loans/Refinances: 73-84 Months Term, APR* as low as 6.940%. "* APR = Annual Percentage Rate. Rate special effective 11/6/26. All rates as low as: Rates are based on credit ratings, term of loan and in some cases year of vehicle. Rates reflect a .25% discount for automatic payments from your MHV checking or savings. Discount excludes leases and other select products. Your rate may vary. Rates are subject to change. All loans subject to approval."

Checked Nov 13, 2026Source mhvfcu.com

6.24%APR

Refinance

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.24% APR, refi, 1–36 months

NYChecked Nov 13, 20261–36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 36 months at 6.24% APR. Estimated payment: $764/mo

Assumes fixed APR, $0 down, no fees.

6.24%APR

Refinance

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.24% APR, refi, 37–66 months

NYChecked Nov 13, 202637–66 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.24% APR. Estimated payment: $449/mo

Assumes fixed APR, $0 down, no fees.

6.34%APR

Refinance

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.34% APR, refi, 67–72 months

NYChecked Nov 13, 202667–72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.34% APR. Estimated payment: $419/mo

Assumes fixed APR, $0 down, no fees.

6.94%APR

Refinance

Visit lender, Mid-Hudson Valley Federal Credit Union, 6.94% APR, refi, 73–84 months

NYChecked Nov 13, 202673–84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Hudson Valley countiesHudson Valley counties: For a specific group: only open to people who live, work, worship, or attend school in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester 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 6.94% APR. Estimated payment: $377/mo

Assumes fixed APR, $0 down, no fees.