Auto Loans · Saranac Lake, New York
1 credit union in Saranac Lake report car loan rates to the NCUA. Lowest rate: 6.25%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
6.25%
Lowest New Car Rate
6.25%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TRI-LAKES ★ 5.0 · 2 reviews | 6.25% | 6.50% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TRI-LAKES ★ 5.0 · 2 reviews | 6.50% | 6.25% |
A pre-approval from a Saranac Lake 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 Saranac Lake in the same window and take the best offer.
See member reviews, branch locations, and full rate details.