Auto Loans · Albany, New York
6 credit unions in Albany report car loan rates to the NCUA. Rates range from 3.99% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.95%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SUNMARK ★ 4.2 · 67 reviews | 3.99% | 5.74% |
| 2 | BROADVIEW ★ 3.1 · 108 reviews | 4.24% | 5.49% |
| 3 | FIRST NEW YORK ★ 3.9 · 35 reviews | 4.24% | 8.99% |
| 4 | FASNY ★ 5.0 · 4 reviews | 4.99% | 5.25% |
| 5 | DIRECTORS CHOICE | 5.21% | 6.09% |
| 6 | NY FIREFIGHTERS BRAVEST ★ 5.0 · 58 reviews | 7.00% | 8.50% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FASNY ★ 5.0 · 4 reviews | 5.25% | 4.99% |
| 2 | BROADVIEW ★ 3.1 · 108 reviews | 5.49% | 4.24% |
| 3 | SUNMARK ★ 4.2 · 67 reviews | 5.74% | 3.99% |
| 4 | DIRECTORS CHOICE | 6.09% | 5.21% |
| 5 | NY FIREFIGHTERS BRAVEST ★ 5.0 · 58 reviews | 8.50% | 7.00% |
| 6 | FIRST NEW YORK ★ 3.9 · 35 reviews | 8.99% | 4.24% |
A pre-approval from a Albany credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Albany in the same window and take the best offer.
See member reviews, branch locations, and full rate details.