Auto Loans


There are many advantages to getting an automobile loan through our local credit union. From competitive rates, payroll deduction conveniences, and more, contact us today so we can check your eligibility and help simplify the car buying process.

How to Apply


Start the application process online:

  1. Download and complete the application form
  2. Save the form on your computer, or print it to save a hard copy
  3. Send the application to us in one of the following ways:
  • Email the attachment to loans@rocmon.org
  • FAX to 585-546-3745
  • Mail us your printed copy:
    460 N. Goodman Street
    Rochester, NY 14609

*Please note that a copy of a recent pay stub is required for all loans.

Our Rates

Credit Score Category
A = 680 and up | B = 640-679 | C = 630-639 | D = 580-599 | E = 579 and under / no score = C rating

Model Year’s 2022 – 2023

Effective as of: May 16 2022

A
B
C
D
E
up to 48 months
2.49%
2.99%
3.99%
5.49%
8.50%
49 – 60 months
2.49%
3.29%
4.29%
5.79%
9.25%
63 – 66 months
2.89%
3.39%
4.39%
5.89%
10.00%
67 – 72 months
2.99%
3.49%
4.49%
5.99%
10.75%
73 – 84 months
3.49%
3.99%
4.99%
N/A
N/A

Model Years 2016 – 2021

Effective as of: May 16, 2022

A
B
C
D
E
up to 48 months
2.99%
3.50%
4.50%
5.75%
8.75%
49 – 60 months
2.99%
3.69%
4.69%
6.19%
9.50%
63 – 66 months
3.59%
4.09%
5.09%
7.09%
10.50%
67 – 72 months
4.09%
4.59%
5.59%
7.59%
11.25%
73 – 84 months
4.59%
5.09%
N/A
N/A
N/A

Model Year’s 2011 – 2015

Effective as of: May 16, 2022

A
B
C
D
E
up to 48 months
3.24%
3.74%
4.74%
5.99%
N/A
49 – 63 months
3.59%
4.09%
5.09%
6.59%
N/A
64 – 66 months
3.79%
4.29%
5.29%
7.29%
N/A
67 – 72 months
4.29%
4.79%
5.79%
7.79%
N/A
73 – 84 months
N/A
N/A
N/A
N/A
N/A

Calculators

Use our online calculators to get more information on lending and repayment options based on your budget and needs.

Financial decisions should not be made solely on the results from these calculators. Calculators are for informational purposes only. Always consult with your accountant or a professional advisor to get advice based on your needs.