Auto Loans · Rochester, New York
11 credit unions in Rochester report car loan rates to the NCUA. Rates range from 4.49% to 7.06%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.51%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ROCHESTER & MONROE CO EMP ★ 3.2 · 9 reviews | 4.49% | 5.28% |
| 2 | UKRAINIAN ★ 4.5 · 41 reviews | 4.50% | 5.82% |
| 3 | GENESEE CO-OP ★ 4.7 · 29 reviews | 4.74% | 8.24% |
| 4 | GATES CHILI ★ 3.6 · 12 reviews | 4.99% | 4.99% |
| 5 | THE SUMMIT ★ 3.3 · 80 reviews | 5.20% | 5.40% |
| 6 | ADVANTAGE ★ 3.5 · 25 reviews | 5.49% | 6.24% |
| 7 | ST. PIUS X CHURCH ★ 4.6 · 30 reviews | 5.50% | 5.75% |
| 8 | GREECE COMMUNITY ★ 3.9 · 22 reviews | 5.86% | 7.41% |
| 9 | EVER $ GREEN ★ 4.5 · 8 reviews | 6.25% | 7.00% |
| 10 | ESL ★ 3.5 · 141 reviews | 6.54% | 6.54% |
| 11 | FAMILY FIRST OF NY ★ 4.3 · 79 reviews | 7.06% | 7.57% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GATES CHILI ★ 3.6 · 12 reviews | 4.99% | 4.99% |
| 2 | ROCHESTER & MONROE CO EMP ★ 3.2 · 9 reviews | 5.28% | 4.49% |
| 3 | THE SUMMIT ★ 3.3 · 80 reviews | 5.40% | 5.20% |
| 4 | ST. PIUS X CHURCH ★ 4.6 · 30 reviews | 5.75% | 5.50% |
| 5 | UKRAINIAN ★ 4.5 · 41 reviews | 5.82% | 4.50% |
| 6 | ADVANTAGE ★ 3.5 · 25 reviews | 6.24% | 5.49% |
| 7 | ESL ★ 3.5 · 141 reviews | 6.54% | 6.54% |
| 8 | EVER $ GREEN ★ 4.5 · 8 reviews | 7.00% | 6.25% |
| 9 | GREECE COMMUNITY ★ 3.9 · 22 reviews | 7.41% | 5.86% |
| 10 | FAMILY FIRST OF NY ★ 4.3 · 79 reviews | 7.57% | 7.06% |
| 11 | GENESEE CO-OP ★ 4.7 · 29 reviews | 8.24% | 4.74% |
A pre-approval from a Rochester 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 Rochester in the same window and take the best offer.
See member reviews, branch locations, and full rate details.