Auto Loans · Syracuse, New York
8 credit unions in Syracuse report car loan rates to the NCUA. Rates range from 3.63% to 7.24%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
3.63%
Lowest New Car Rate
5.40%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CROUSE HINDS EMPLOYEES ★ 3.9 · 11 reviews | 3.63% | 4.69% |
| 2 | SYRACUSE POSTAL ★ 5.0 · 8 reviews | 4.21% | 6.04% |
| 3 | MONEY ★ 5.0 · 77 reviews | 4.85% | 6.15% |
| 4 | CROUSE ★ 3.9 · 11 reviews | 5.00% | 5.75% |
| 5 | SECNY ★ 3.3 · 25 reviews | 5.25% | 6.51% |
| 6 | EMPOWER ★ 3.4 · 151 reviews | 6.49% | 6.74% |
| 7 | SYRACUSE COOPERATIVE ★ 2.8 · 6 reviews | 6.50% | 6.69% |
| 8 | SYRACUSE FIRE DEPARTMENT EMPLOYEES ★ 4.0 · 33 reviews | 7.24% | 7.99% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CROUSE HINDS EMPLOYEES ★ 3.9 · 11 reviews | 4.69% | 3.63% |
| 2 | CROUSE ★ 3.9 · 11 reviews | 5.75% | 5.00% |
| 3 | SYRACUSE POSTAL ★ 5.0 · 8 reviews | 6.04% | 4.21% |
| 4 | MONEY ★ 5.0 · 77 reviews | 6.15% | 4.85% |
| 5 | SECNY ★ 3.3 · 25 reviews | 6.51% | 5.25% |
| 6 | SYRACUSE COOPERATIVE ★ 2.8 · 6 reviews | 6.69% | 6.50% |
| 7 | EMPOWER ★ 3.4 · 151 reviews | 6.74% | 6.49% |
| 8 | SYRACUSE FIRE DEPARTMENT EMPLOYEES ★ 4.0 · 33 reviews | 7.99% | 7.24% |
A pre-approval from a Syracuse 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 Syracuse in the same window and take the best offer.
See member reviews, branch locations, and full rate details.