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 12 months 5.45%; 13 to 24 months 5.45%; 25 to 36 months 5.45%; 37 to 48 months 5.69%; 49 to 60 months 5.93%; 61 to 72 months 6.20% (APR, effective February 4, 2026). Loan terms: Terms up to 72 months (rate table).