Auto Loans
Advantage FCU offers you great low rates and flexible terms when you are looking to purchase your new car. But did you know, you could also refinance and be eligible for the same low rate?
Shopping is easier when you know what you can afford right up front! If you are in the market for a new car, get pre-approved for a quicker turnaround.
| Car Loan as of August 4, 2025 | |||
| Model Year Term | Term | APR as low as | *Est. Payment/$1,000 |
| (Years 2023 & Newer) | Up to 60 Months | 4.99% | $18.87 |
| 72 Months | 5.49% | $16.33 | |
| 84 Months** | 6.49%** | $14.84** | |
| 96 Months** | 7.49%** | $13.88** | |
| Used (Years 2017 to 2022) | Up to 60 Months | 5.74% | $19.21 |
| 72 Months | 6.24% | $16.69 | |
| 84 Months** | 7.24%** | $15.21** | |
| Older (Years 2016 and Older) | Up to 60 Months | 6.49% | $19.56 |
| 72 Months | 6.99% | $17.04 | |
| **Terms over 72 months have a minimum loan amount of $30,000 | |||
Credit Life & Disability
Credit insurance can help make your loan payments when you can’t.
Learn MorePayment Protection or
Credit Life and Disability Insurance
Payment Protection or Credit Life and Disability Insurance covers you in the event of death or disability. If you choose one or both of these insurance options, the premiums will be included in your monthly payment. Payment protection is available on most of our loan products to qualified borrowers.
GAP Protection
Guaranteed Asset Protection (GAP) may waive the difference between what the insurance company paid and the loan amount.
Learn MoreGuaranteed Asset Protection (GAP)
GAP covers your loan in the event that your vehicle is totaled or stolen during your loan term. Your insurance company will pay the market value for the vehicle at the time of loss. If you did not have a large down payment when you financed your car, chances are that this amount will not be enough to pay off your loan.
GAP covers the difference up to 125% of market value. We recommend GAP coverage whenever the amount that you are financing is 85% or more of the value of your vehicle.
GAP is very inexpensive and it can be added to your loan amount so that it is included in your monthly payment.
MRC
Avoid costly repairs or overpriced coverage with Mechanical Repair Coverage (MRC); you can create or extend a warranty for your car.
Learn MoreMembers Choice Auto Care
Members Choice Auto Care is a mechanical repair coverage that supplements a manufacturer’s warranty. This is typically priced at 40% less than similar plans at car dealers. In addition to cost savings, many of our members have enjoyed other benefits Members Choice Auto Care has over competing plans including:
- 24 Hour Roadside Assistance
- Add on mileage (a 60,000 mile plan is 60,000 miles in addition to the existing mileage).
- Coverage is valid at any authorized repair facility in the U.S. or Canada, not just dealers.
You can get a quote for Members Choice Auto Care from any one of our Member Service Representatives. In most cases- this can be added to your loan and included in your monthly payment. For details on the coverage click Learn More.
Car Related Forms
*All loans subject to underwriting, including verification of value of acceptable collateral. Vehicles for commercial use will not be accepted.*Estimate includes principal and interest only. Annual Percentage Rates (APR) will vary from 4.99% APR to 17.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates do not apply to refinance of an existing loan with Advantage Federal Credit Union. Rates subject to change without notice. Proceeds for auto purchase transactions will only be payable to the sellers of vehicles. Proceeds for auto refinance transactions will be payable to the creditor currently holding the lien with a balance owed for the amount of that lender’s written payoff per Advantage terms and conditions. Membership subject to eligibility. Other terms are available. APR = Annual Percentage Rate
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Routing Transit Number/ABA Number:
222382292
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SWIFT Code:
AFCUUS33
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NMLS Number:
619501
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Branch Locations
Advantage Federal Credit Union
225 W. Broad St.
Rochester, NY 14608-
Advantage Federal Credit Union
U of R Medical Center
Suite G-6010
260 Crittenden Blvd.
Rochester, NY 14642 -
Advantage Federal Credit Union
1625 Mt. Hope Ave.
Rochester, NY 14620 -
Advantage Federal Credit Union
Rochester General Hospital
Parnall Bldg., Suite G-08
1445 Portland Ave.
Rochester, NY 14621
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Advantage Federal Credit Union
1975 Buffalo Rd.
Rochester, NY 14624 -
Advantage Federal Credit Union
2515 Browncroft Blvd.
Rochester, NY 14625 -
Advantage Federal Credit Union
Global Village
6000 Reynolds Dr.
Rochester, NY 14623
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