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Get financing here in the Hudson Valley! For Your Information


Our experienced lending team will go the extra mile to help you finance the vehicle of your dreams. We offer competitive rates, flexible loan terms, and quick decision making to help you on your auto purchase journey. We also offer pre-approvals that lock in your rate for 45 days, so you have time to shop for the perfect vehicle!

  • Competitive rates on new and used vehicles
  • New Auto Maximum Financing: 100% Purchase Price
  • Used Auto Maximum Financing: 100% NADA Book Value
  • Repayment terms tailored to fit your budget
  • No pre-payment penalty
  • Pre-approvals available for extra bargaining power
  • Refinance your current vehicle to potentially lower your rate
  • Prompt decision-making and processing
  • Friendly service from our experienced lending team


To apply online, simply hit the [APPLY NOW] button up top, or down below. By applying online, our local, in-house lenders can start processing your loan request right away.

Or, feel free to fill out a paper application at a branch of your choosing.

For questions, give us a call at (800) 847-4283, and ask to speak with a lending officer.


As a member of Ulster FCU, you qualify for a competitive rate on auto insurance. Get a quote in minutes from TruStage by clicking here.


Membership means you may also qualify for life and/or disability insurance on your loan. This insurance is offered through our partner, Cuna Mutual Group.

Rate(s) per $1,000 of your monthly loan balance are as follows:

Life Insurance Disability Insurance
Single Life - $0.60 Single Disability - $2.14
Joint Life - $0.96 Joint Disability - $4.07

*Restrictions apply: Total Benefit Maximum for Life Insurance is $55,000. Total Benefit Maximum for Disability Insurance is $30,000. Maximum issue age for both Life and Disability Insurance is 70.


The moment you drive your vehicle off the lot, its value begins to depreciate, and it continues to depreciate each year. In the event of an accident resulting in your vehicle being deemed a total loss, GAP insurance can help fill the gap between what your vehicle insurance will pay and the balance owed on your loan. This insurance can help cover any remaining balance after the insurance settlement. A low, one-time payment of $250, provides peace of mind, and less worry about tomorrow. For more information, click here.


Our Member Loyalty Program provides additional interest rate reductions from 0.50% - 1.00% OFF your qualifying loan interest rate. For more information, click here.

View Rates Financial Calculator

If you are a non-member, and are approved for an auto loan, you will need to establish membership with us. In order to open an account, you must be eligible for membership, and become a member by opening a Member Savings Account of at least $25.00.

*All rates, terms, and offers are subject to change at any time without notice.