Credit union · New York

Sidney Federal Credit Union auto loan rates compared

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

EligibilityPer SFCU: Anyone who lives, works, worships, attends school or regularly conducts business in the following New York Counties or Towns are eligible to become a member with SFCU: Broome City of Binghamton, Johnson City, Kirkwood, Vestal, Colesville, Sanford, and Windsor Chenango Delaware Essex Fulton Hamilton Herkimer Winfield, Litchfield, Columbia, Warren, Stark, Danube, Frankfort and German Flatts Madison Montgomery Oneida Sangerfield, Bridgewater, Augusta, Marshall, Paris, Vernon and Kirkland Onondaga Otsego

Visit lender Opens sfcuonline.org

Lowest new rate

5.84%APR, as low as

NewUp to 60 monthsSidney Federal Credit Union

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 5.84% APR. Estimated payment: $482/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 · 3 rates

NYChecked Nov 13, 2026

New
As low as

5.84%APRUp to 60 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 5.84% APR. Estimated payment: $482/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 60 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) Up to 60, APR (as low as) 5.84%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 5.84% APR, new, up to 60 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 5.84% APR, new, up to 60 months, 2024–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

6.29%APR72 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.29% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) 72, APR (as low as) 6.29%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 6.29% APR, new, 72 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 6.29% APR, new, 72 months, 2024–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

6.74%APR84 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.74% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) 84, APR (as low as) 6.74%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 6.74% APR, new, 84 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 6.74% APR, new, 84 months, 2024–2027 models ↗
5.84%APR

New car

Visit lender, Sidney Federal Credit Union, 5.84% APR, new, up to 60 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 2026Up to 60 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 5.84% APR. Estimated payment: $482/mo

Assumes fixed APR, $0 down, no fees.

6.29%APR

New car

Visit lender, Sidney Federal Credit Union, 6.29% APR, new, 72 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 202672 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.29% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

6.74%APR

New car

Visit lender, Sidney Federal Credit Union, 6.74% APR, new, 84 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 202684 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.74% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 3 rates

NYChecked Nov 13, 2026

Used
As low as

5.84%APRUp to 60 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 5.84% APR. Estimated payment: $482/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 60 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) Up to 60, APR (as low as) 5.84%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 5.84% APR, used, up to 60 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 5.84% APR, used, up to 60 months, 2024–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.29%APR72 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.29% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) 72, APR (as low as) 6.29%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 6.29% APR, used, 72 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 6.29% APR, used, 72 months, 2024–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

6.74%APR84 months

2024–2027 models

Requires:Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.74% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans Rates: New & Used Autos 2027-2024, Term (Months) 84, APR (as low as) 6.74%. "Rates effective as of: November 13, 2026" "APR = Annual Percentage Rate" "Credit Union membership is required with a $5 minimum deposit." "Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for." "Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for." "Rates are subject to change without notice."

Checked Nov 13, 2026Source sfcuonline.org

Calculate payment, Sidney Federal Credit Union, 6.74% APR, used, 84 months, 2024–2027 modelsVisit lender, Sidney Federal Credit Union, 6.74% APR, used, 84 months, 2024–2027 models ↗
5.84%APR

Used car

Visit lender, Sidney Federal Credit Union, 5.84% APR, used, up to 60 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 2026Up to 60 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 5.84% APR. Estimated payment: $482/mo

Assumes fixed APR, $0 down, no fees.

6.29%APR

Used car

Visit lender, Sidney Federal Credit Union, 6.29% APR, used, 72 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 202672 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.29% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

6.74%APR

Used car

Visit lender, Sidney Federal Credit Union, 6.74% APR, used, 84 months, 2024–2027 models

NY · 2024–2027 modelsChecked Nov 13, 202684 months

Central NY countiesCentral NY counties: For a specific group: only open to people who live, work, worship, attend school or regularly conduct business in listed towns and counties of Broome, Chenango, Delaware, Essex, Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, Onondaga, and Otsego counties, 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 6.74% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.