Upgrade Your Ride With Lower Rates
Don't settle for high dealer financing or big bank prices. At Mohawk Valley Federal Credit Union in Marcy and Utica, NY, we offer low rates, flexible terms, and unmatched local service on new and used Auto Loans, refinancing, and recreational vehicles. Because we are a member-owned, not-for-profit credit union, we pass our savings directly back to you through lower interest rates and reduced fees!
Auto & Recreational Loan Options
Financing That Fits Your Lifestyle and Monthly Budget
We work closely with you to examine your financial goals and match you with the ideal loan structure for your budget:
New & Used Auto Loans: Get competitive rates on new car purchases or dependable used vehicles (up to 7+ years old) with terms up to 84 months.
Auto Loan Refinance: Lower your current monthly payment or drop your interest rate by refinancing your existing auto loan from another lender.
RV & Camper Loans: Finance your next family road trip with affordable rates on new and used recreational vehicles.
Boat & Personal Watercraft Loans: Make a splash on local waters with flexible marine financing.
Motorcycle & Off-Road Loans: Gear up for adventure with low-cost loans for motorcycles, ATVs, and recreational vehicles.
Why Finance With Us?
Our Advantage for Local Drivers
When you finance your ride with us, you get more than just a low rate; you get a partner dedicated to your financial success.
Competitive Fixed Rates: Enjoy low interest rates based on your individual credit tier.
Local Decision-Making: Fast loan approvals processed right here in the Mohawk Valley.
No Hidden Fees: Transparent terms with zero early payoff penalties.
Auto Refinancing Options: Our team can help you look at your complete financial picture to find maximum savings.
How to Submit an Application
Simple Steps to Secure Your Vehicle Financing
Download & Fill Out Your Application: Complete our straightforward loan application form at your convenience.
Submit Your Application: Bring your completed form to our Utica or Marcy branch to submit it directly to our loan specialists.
Visit Our Local Branches
Stop By or Call Our Local Team in Marcy or Utica, NY
Speak directly with our loan experts to find the right financing package for your next vehicle purchase:
Marcy Branch: 9212 River Road, Marcy, NY 13403 | Phone: (315) 624-2950
Utica Branch (State Office Building): 207 Genesee Street, Utica, NY 13501 | Phone: (315) 793-2214