Auto Loans · Ogdensburg, New York
2 credit unions in Ogdensburg report car loan rates to the NCUA. Lowest rate: 5.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ED-MED ★ 3.9 · 7 reviews | 5.00% | 5.50% |
| 2 | SAINT LAWRENCE | 5.00% | 5.75% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ED-MED ★ 3.9 · 7 reviews | 5.50% | 5.00% |
| 2 | SAINT LAWRENCE | 5.75% | 5.00% |
A pre-approval from a Ogdensburg 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 Ogdensburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.