Auto Loans · White Plains, New York

Best Credit Union Car Loan Rates in White Plains, New York

1 credit union in White Plains report car loan rates to the NCUA. Lowest rate: 3.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

3.00%

Lowest New Car Rate

3.00%

City Average Rate

New Vehicle Loan Rates — White Plains, New York

1 credit union sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	SCF WESTCHESTER N. Y. EMPLOYEES ★ 3.9 · 53 reviews	3.00%	8.00%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — White Plains, New York

1 credit union sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	SCF WESTCHESTER N. Y. EMPLOYEES ★ 3.9 · 53 reviews	8.00%	3.00%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a White Plains credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in White Plains in the same window and take the best offer.

Also Compare in White Plains

Best Personal Loan Rates →Best Credit Card Rates →All of New York →

Browse All Credit Unions in White Plains

See member reviews, branch locations, and full rate details.

Credit Unions in White Plains →All of New York →