The Syracuse Cooperative Federal Credit Union is a auto loan from Syracuse Cooperative Federal Credit Union. The ongoing APR is Rates as low as: up to 24 months 4.75%; 25 to 36 months 4.75%; 37 to 48 months 4.99%; 49 to 60 months 5.23%; 61 to 72 months 5.50%; 73 to 84 months 5.79% (APR, effective February 4, 2026). Loan terms: Terms up to 84 months (rate table).