Auto Loans
Hit the road with confidence! Our Auto Loans feature competitive rates and flexible terms to fit your unique needs.
Auto Loan Rates
Rates effective as of 9/1/2025
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 63 Months | 5.35% | 4.85% |
| 66 Months | 5.45% | 4.95% |
| 72 Months | 5.55% | 5.05% |
| 75 Months | 5.65% | 5.15% |
| 84 Months | 6.25% | 5.75% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 63 Months | 5.45% | 4.95% |
| 66 Months | 5.55% | 5.05% |
| 72 Months | 5.65% | 5.15% |
| 75 Months | 5.75% | 5.25% |
| 84 Months | 6.45% | 5.95% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 63 Months | 5.55% | 5.05% |
| 66 Months | 5.65% | 5.15% |
| 72 Months | 5.75% | 5.25% |
| 75 Months | 5.85% | 5.35% |
| 84 Months | 6.75% | 6.25% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 63 Months | 6.05% | 5.55% |
| 66 Months | 6.35% | 5.85% |
| 72 Months | 6.65% | 6.15% |
| 75 Months | 7.25% | 6.75% |
| 84 Months | 7.55% | 7.05% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 48 Months | 6.65% | 6.15% |
| 63 Months | 6.75% | 6.25% |
| 66 Months | 6.95% | 6.45% |
| 72 Months | 7.95% | 7.45% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 48 Months | 6.85% | 6.35% |
| 60 Months | 6.95% | 6.45% |
| 66 Months | 7.15% | 6.65% |
| Term | APR as low as | APR with Discount as low as* |
|---|---|---|
| 48 Months | 7.05% | 6.55% |
| 60 Months | 7.15% | 6.65% |
| 63 Months | 7.35% | 6.85% |
*Your Annual Percentage Rate (APR) will be based upon your credit score, model year of vehicle, term of the loan, and repayment method. Rates are subject to change without notice. You may be eligible to earn a discount of 0.25% off the APR for auto pay and direct deposit, up to a maximum of 0.50%. For further details, contact your loan officer. APR 'as low as' shown above. Any vehicle financed with 100k miles or more will have 1% added the loan rate.
Auto Loan Features
At Finger Lakes FCU, we make financing your next vehicle simple, affordable, and stress-free. With competitive rates, flexible terms, and a local team who understands your needs, we’re here to help you get behind the wheel of your next vehicle!
130% Financing
Finance up to 130%* of the value of your next vehicle!
Great Rates
Save money on your Auto Loan with our competitive rates.
Flexible Terms
Choose terms that fit your needs with options up to 84 months.
Local Service
Experience the Finger Lakes difference with our local experts!
*Credit Restrictions Apply
Protect Your Purchase
Looking for Auto Insurance? To bring you this product, we have partnered with the CUNA Mutual Insurance Group’s TruStage™ who was just named the “World’s Most Ethical Company®” by Ethisphere, an international think tank that rates companies business ethics and social responsibility. Amazing, right?
They provide our members with Term Life and Free Accidental Death and Dismemberment Insurance, and work with carefully selected vendors to bring our members discounted auto insurance.
GAP Insurance
Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the “gap” between the vehicle’s value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier’s insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges less your deductible. This is an optional product offering from FLFCU. Don’t owe on your loan after an accident, have it covered with our GAP product.
Life and Disability Insurance
There is no way to predict an injury, illness, or your unexpected death, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don’t have to.*
These products are optional offerings from FLFCU and the premium is included in your monthly payment. Talk to your Loan Officer about the option of adding this product without increasing your monthly payments.
*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.
What Our Members Are Saying:
"Absolute best staff. Every person that works there goes above and beyond to be helpful. I highly recommend this establishment."
"The best experience in town all is appreciate the wonderful people I interact with. They’re very lucky to have such talent."
"I absolutely would NEVER change banks from here. It’s a pleasure to be part of my local credit union and the customer service is amazing!"