The Southern Chautauqua Federal Credit Union is a auto loan from Southern Chautauqua Federal Credit Union. The ongoing APR is New Car Fixed APR As Low As: up to 66 months 5.49%; 67 - 78 months 6.49%. Used Car: 2025, 2024-2023 up to 66 months 5.99%, 67 to 78 months 6.29%; 2022 to 2021 up to 60 months 5.99%, 61 to 66 months 6.49%; 2020 and older up to 54 months 6.99%, 55 to 60 months 7.49% (Rate Effective Date: 9/09/2026). Loan terms: New Car up to 78 months; Used Car up to 78 months (2025-2023 models), 66 months (2022-2021), 60 months (2020 and older).