Q2 2026 call reports
Credit union loan rates in New York
New York credit unions reported a median new auto loan rate of 5.03% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Niagara's Choice Federal Credit Union reported the lowest, 1.74%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | New York median | US median |
|---|---|---|
| New auto | 5.03% | 5.46% |
| Used auto | 6.12% | 6.32% |
| Credit card | 10.90% | 11.50% |
| Personal | 10.51% | 11.75% |
| Mortgage | 5.43% | 5.75% |
| Home equity | 6.65% | 6.75% |
Lowest credit card rate reported in New York: Eastern Operating Engineers Federal Credit Union, 3.99%. Lowest first mortgage rate: Tonawanda Valley Federal Credit Union, 2.50%. (Same size rules as the national rankings.)
Every New York credit union's reported rates
The 150 largest of 266 New York credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All New York credit unions · Lowest rates nationally