Auto Loans · Kingston, New York
2 credit unions in Kingston report car loan rates to the NCUA. Rates range from 6.46% to 6.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.46%
Lowest New Car Rate
6.61%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MID-HUDSON VALLEY ★ 4.3 · 158 reviews | 6.46% | 7.41% |
| 2 | ULSTER ★ 4.8 · 13 reviews | 6.75% | 7.25% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ULSTER ★ 4.8 · 13 reviews | 7.25% | 6.75% |
| 2 | MID-HUDSON VALLEY ★ 4.3 · 158 reviews | 7.41% | 6.46% |
A pre-approval from a Kingston 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 Kingston in the same window and take the best offer.
See member reviews, branch locations, and full rate details.