New and Used Auto Loans

LOAN APPLICATION (4,648.44 KB)

Click here for a LOAN APPLICATION you can print, complete and return to the CU. (Requires Acrobat Reader)

We consider an automobile to be NEW and eligible to receive the New Auto interest rate if it is the current model year with less than 6,000 miles or the previous model year with less than 12,000. Our maximum term is 72 months. We MATCH dealer rates when possible for eligible borrowers; and we provide an additional 0.50% discount for "green" cars with at least 35 MPG. We offer monthly, semi-monthly, weekly and bi-weekly payment options on all consumer loans.

We finance USED autos for any model year as long as the vehicle has a National Automobile Dealers Association (NADA) valuation. Depending on the age of the vehicle, we will finance up to sixty months but will always encourage or sometimes require a shorter term so that your auto can be paid for with as little finance charge (interest) as possible while still being an affordable payment. We finance classic vehicles as well as recreational motor homes, motorcycles, scooters and other motorized vehicles.

Buying a car? See us first and save!

We want you to get the best car at the best price and with the best financing. Use our resources to ensure that you are buying a reliable car at a fair price. You can apply for a loan even before you shop for a vehicle - we can pre-approve a loan for you so you can compare our interest rates to any other offers you may receive, and know your financing is ready to go when you need it. Members of the credit union can complete a loan application over the phone. You can also pick up our application at the office or here on our website.

Buying or selling a car? We help with more than just loans.
Most members know that the credit union offers excellent used and new car rates. But we have other services that can save you hundreds of dollars on a car purchase, or ensure that you get a good price for a car you are selling or trading in, including:

Free valuation of a used vehicle: We subscribe to the National Automobile Dealers Association (NADA) "Blue Book" website; if you provide us the mileage, make/model/year and (ideally) the VIN, too, we can tell you a fair purchase price or trade-in value for a vehicle.

Free access to consumer information on "Used Cars to Avoid" and "Recommended Used Cars": Save yourself grief and money by steering clear of cars that are prone to problems and choosing one with good ratings.

Recommendation on places to evaluate the car BEFORE you buy: Either of two area auto repair businesses can tell you in a brief visit whether the vehicle is likely to need major money put into it for repairs. Having knowledgeable, impartial experts look at a car before you buy can help you choose well and save lots of money and grief.

To take advantage of any of these services, write or call Deniz Akman at 585-461-2230, x16 or pooc.eeseneg@zined.


Our Members make the difference.

Member Since 1982

"I decided to become a founder and a member of Genesee Co-op Federal Credit Union because I wanted to help create, support and benefit from a cooperative alternative to mainstream financial institutions. It's important to me to know that my money supports a non-profit, community-based, socially-responsible saving and lending institution. Now more than ever, we need alternatives to the mega-banks that have made such a mess of our economy. I'm proud to have been a part of an institution that has helped thousands of people enter the world of credit, improve their financial standing and be treated with dignity. It's great to have witnessed the credit union’s evolution from a small group of food co-op members into an institution that serves a member-ownership that's diverse in age, race, ethnicity and socio-economic circumstance."

David Knoll


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