Credit union · New York

Sunmark 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 sunmark.org

EligibilityPer Sunmark: You can bank with Sunmark if: You live, work, worship, attend school, own a business, or volunteer in one of these counties: Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, and Westchester You're employed by one of Sunmark's Community Partners

Visit lender Opens sunmark.org

Lowest new rate

3.74%APR, as low as

New24 monthsSunmark Federal Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 more+3 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $1,083/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 · 6 rates

NYChecked Nov 13, 2026

New
As low as

3.74%APR24 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $1,083/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Car and Motorcycle Rates: 24 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, new, 24 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, new, 24 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

3.74%APR36 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $736/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Car and Motorcycle Rates: 36 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, new, 36 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, new, 36 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

3.74%APR48 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $562/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Car and Motorcycle Rates: 48 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, new, 48 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, new, 48 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

3.74%APR60 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $458/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Car and Motorcycle Rates: 60 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, new, 60 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, new, 60 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

3.99%APR72 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.99% APR. Estimated payment: $392/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Car and Motorcycle Rates: 72 month, APR for Model Years 2023-2027 3.99*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.99% APR, new, 72 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.99% APR, new, 72 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

New
As low as

5.49%APR84 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 84 months. Car and Motorcycle Rates: 84 month, APR for Model Years 2023-2027 5.49*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 5.49% APR, new, 84 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 5.49% APR, new, 84 months, 2023–2027 models ↗
3.74%APR

New car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, new, 24 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $1,083/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

New car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, new, 36 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $736/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

New car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, new, 48 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $562/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

New car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, new, 60 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $458/mo

Assumes fixed APR, $0 down, no fees.

3.99%APR

New car

Visit lender, Sunmark Federal Credit Union, 3.99% APR, new, 72 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.99% APR. Estimated payment: $392/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

New car

Visit lender, Sunmark Federal Credit Union, 5.49% APR, new, 84 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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.

UsedUsed car rates · 6 rates

NYChecked Nov 13, 2026

Used
As low as

3.74%APR24 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $1,083/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24 months. Car and Motorcycle Rates: 24 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, used, 24 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, used, 24 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

3.74%APR36 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $736/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 36 months. Car and Motorcycle Rates: 36 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, used, 36 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, used, 36 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

3.74%APR48 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $562/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 48 months. Car and Motorcycle Rates: 48 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, used, 48 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, used, 48 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

3.74%APR60 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $458/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Car and Motorcycle Rates: 60 month, APR for Model Years 2023-2027 3.74*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.74% APR, used, 60 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.74% APR, used, 60 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

3.99%APR72 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.99% APR. Estimated payment: $392/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Car and Motorcycle Rates: 72 month, APR for Model Years 2023-2027 3.99*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 3.99% APR, used, 72 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 3.99% APR, used, 72 months, 2023–2027 models ↗

NYChecked Nov 13, 2026

Used
As low as

5.49%APR84 months

2023–2027 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Direct depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreCapital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 84 months. Car and Motorcycle Rates: 84 month, APR for Model Years 2023-2027 5.49*%. New vs used not separated (rates are by model year). "*Rate applies to highly-qualified applicants based on credit history and also includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500." "Loan rates are determined by each member's overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate."

Checked Nov 13, 2026Source sunmark.org

Calculate payment, Sunmark Federal Credit Union, 5.49% APR, used, 84 months, 2023–2027 modelsVisit lender, Sunmark Federal Credit Union, 5.49% APR, used, 84 months, 2023–2027 models ↗
3.74%APR

Used car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, used, 24 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202624 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $1,083/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

Used car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, used, 36 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202636 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $736/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

Used car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, used, 48 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202648 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $562/mo

Assumes fixed APR, $0 down, no fees.

3.74%APR

Used car

Visit lender, Sunmark Federal Credit Union, 3.74% APR, used, 60 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.74% APR. Estimated payment: $458/mo

Assumes fixed APR, $0 down, no fees.

3.99%APR

Used car

Visit lender, Sunmark Federal Credit Union, 3.99% APR, used, 72 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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 3.99% APR. Estimated payment: $392/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

Used car

Visit lender, Sunmark Federal Credit Union, 5.49% APR, used, 84 months, 2023–2027 models

NY · 2023–2027 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+2 moreDirect depositDirect deposit: The published rate requires direct deposit with the lender. Your rate still depends on creditworthiness, term, and eligibility.Capital Region & Hudson ValleyCapital Region & Hudson Valley: For a specific group: only open to people who live, work, worship, attend school, own a business, or volunteer in Albany, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Hamilton, Herkimer, Montgomery, Otsego, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Sullivan, Ulster, Warren, Washington, or Westchester County, or employees of Sunmark Community Partners. 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.