Credit union · New York

Reliant Community Federal Credit Union auto loan rates compared

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

EligibilityPer Reliant: …if you live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County in New York. Immediate family and household members of eligible individuals are also welcome to join.

Visit lender Opens reliantcu.com

Lowest new rate

4.84%APR, as low as

NewUp to 36 monthsReliant Community Federal Credit Union

Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 36 months at 4.84% APR. Estimated payment: $748/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

4.84%APRUp to 36 months

2025 or newer models

Requires:Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 36 months at 4.84% APR. Estimated payment: $748/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. New and Used Vehicle — 2025 & Newer Model Years: Up to 36 months, APR^ as low as 4.84%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 4.84% APR, new, up to 36 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 4.84% APR, new, up to 36 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

4.99%APR37–60 months

2025 or newer models

Requires:Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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

Assumes fixed APR, $0 down, no fees.

Advertised as 37-60 months. New and Used Vehicle — 2025 & Newer Model Years: 37 to 60 months, APR^ as low as 4.99%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 4.99% APR, new, 37–60 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 4.99% APR, new, 37–60 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.14%APR61–72 months

2025 or newer models

Requires:Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.14% APR. Estimated payment: $405/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-72 months. New and Used Vehicle — 2025 & Newer Model Years: 61 to 72 months**, APR^ as low as 5.14%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE." "**Minimum loan amount for terms of 67 to 72 months is $15,000."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 5.14% APR, new, 61–72 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 5.14% APR, new, 61–72 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.89%APR73–84 months

2025 or newer models

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.89% APR. Estimated payment: $364/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. New and Used Vehicle — 2025 & Newer Model Years: 73 to 84 months***, APR^ as low as 5.89%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE." "***Minimum loan amount for terms of 73 to 84 months is $25,000."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 5.89% APR, new, 73–84 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 5.89% APR, new, 73–84 months, 2025 or newer models ↗
4.84%APR

New car

Visit lender, Reliant Community Federal Credit Union, 4.84% APR, new, up to 36 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 2026Up to 36 months

Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 36 months at 4.84% APR. Estimated payment: $748/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

New car

Visit lender, Reliant Community Federal Credit Union, 4.99% APR, new, 37–60 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202637–60 months

Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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

Assumes fixed APR, $0 down, no fees.

5.14%APR

New car

Visit lender, Reliant Community Federal Credit Union, 5.14% APR, new, 61–72 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202661–72 months

Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.14% APR. Estimated payment: $405/mo

Assumes fixed APR, $0 down, no fees.

5.89%APR

New car

Visit lender, Reliant Community Federal Credit Union, 5.89% APR, new, 73–84 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202673–84 months

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.89% APR. Estimated payment: $364/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 4 rates

NYChecked Nov 13, 2026

Used
As low as

4.84%APRUp to 36 months

2025 or newer models

Requires:Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 36 months at 4.84% APR. Estimated payment: $748/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. New and Used Vehicle — 2025 & Newer Model Years: Up to 36 months, APR^ as low as 4.84%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 4.84% APR, used, up to 36 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 4.84% APR, used, up to 36 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

4.99%APR37–60 months

2025 or newer models

Requires:Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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

Assumes fixed APR, $0 down, no fees.

Advertised as 37-60 months. New and Used Vehicle — 2025 & Newer Model Years: 37 to 60 months, APR^ as low as 4.99%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 4.99% APR, used, 37–60 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 4.99% APR, used, 37–60 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.14%APR61–72 months

2025 or newer models

Requires:Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.14% APR. Estimated payment: $405/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-72 months. New and Used Vehicle — 2025 & Newer Model Years: 61 to 72 months**, APR^ as low as 5.14%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE." "**Minimum loan amount for terms of 67 to 72 months is $15,000."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 5.14% APR, used, 61–72 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 5.14% APR, used, 61–72 months, 2025 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.89%APR73–84 months

2025 or newer models

Requires:Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.89% APR. Estimated payment: $364/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. New and Used Vehicle — 2025 & Newer Model Years: 73 to 84 months***, APR^ as low as 5.89%. New vs used not separated (rates are by model year). "^ APR = ANNUAL PERCENTAGE RATE." "***Minimum loan amount for terms of 73 to 84 months is $25,000."

Checked Nov 13, 2026Source reliantcu.com

Calculate payment, Reliant Community Federal Credit Union, 5.89% APR, used, 73–84 months, 2025 or newer modelsVisit lender, Reliant Community Federal Credit Union, 5.89% APR, used, 73–84 months, 2025 or newer models ↗
4.84%APR

Used car

Visit lender, Reliant Community Federal Credit Union, 4.84% APR, used, up to 36 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 2026Up to 36 months

Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 36 months at 4.84% APR. Estimated payment: $748/mo

Assumes fixed APR, $0 down, no fees.

4.99%APR

Used car

Visit lender, Reliant Community Federal Credit Union, 4.99% APR, used, 37–60 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202637–60 months

Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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

Assumes fixed APR, $0 down, no fees.

5.14%APR

Used car

Visit lender, Reliant Community Federal Credit Union, 5.14% APR, used, 61–72 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202661–72 months

Min. loan $15,000Min. loan $15,000: The lender publishes this rate with a $15,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.14% APR. Estimated payment: $405/mo

Assumes fixed APR, $0 down, no fees.

5.89%APR

Used car

Visit lender, Reliant Community Federal Credit Union, 5.89% APR, used, 73–84 months, 2025 or newer models

NY · 2025 or newer modelsChecked Nov 13, 202673–84 months

Min. loan $25,000Min. loan $25,000: The lender publishes this rate with a $25,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Monroe, Ontario & Wayne Cos.Monroe, Ontario & Wayne Cos.: For a specific group: only open to people who live, work, worship, volunteer, or go to school in Monroe, Ontario, or Wayne County, NY, 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 5.89% APR. Estimated payment: $364/mo

Assumes fixed APR, $0 down, no fees.