--- title: "Upstate Telco Credit Union Rates - New York" description: "Current vehicle loan, and savings & cd rates from Upstate Telco Credit Union in New York. Updated daily with source verification. See who can join Upstate Telco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/upstate-telco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Upstate Telco Credit Union Rates - New York ### Auto & vehicle rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_24mo | — APR | 5.250% | 24 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_24mo | — APR | 5.250% | 24 mo · new | Standard | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_36mo | — APR | 5.500% | 36 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_36mo | — APR | 5.500% | 36 mo · new | Standard | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_48mo | — APR | 5.750% | 48 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_48mo | — APR | 5.750% | 48 mo · new | Standard | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_60mo | — APR | 6.000% | 60 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_60mo | — APR | 6.000% | 60 mo · new | Standard | | **More Enjoyed New Vehicle/Motorcycles (2019-2020)** motorcycle_new_24mo | — APR | 6.250% | 24 mo · new | Standard | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_72mo | — APR | 6.250% | 72 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_72mo | — APR | 6.250% | 72 mo · new | Standard | | **New Vehicle/Motorcycles (2025/2026)** motorcycle_new_84mo | — APR | 6.500% | 84 mo · new | Standard | | **More Enjoyed New Vehicle/Motorcycles (2019-2020)** motorcycle_new_36mo | — APR | 6.500% | 36 mo · new | Standard | | **Recently Enjoyed New Vehicle/Motorcycles (2021 - Newer)** motorcycle_new_84mo | — APR | 6.500% | 84 mo · new | Standard | | **Boats, Campers & RV's New/Used** boat_any_24mo | — APR | 6.500% | 24 mo · any | Standard | | **More Enjoyed New Vehicle/Motorcycles (2019-2020)** motorcycle_new_48mo | — APR | 6.750% | 48 mo · new | Standard | Upstate Telco Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Dividend Rates (Annual Percentage Yield)** savings | — APY | 0.10% | — | Standard | | **Shared Stock Secured** other | — APY | 2.00% | — | Standard | Upstate Telco Credit Union savings & cd rates as of November 12, 2026 Upstate Telco Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/upstate-telco) , verified from [Upstate Telco Credit Union's official website](https://www.upstatetelcofcu.org/) Loading branch locator… ## About Upstate Telco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 518 Assets $4.3M Founded 1956 Locations reported 1 NCUA charter 10746 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**First Choice Financial** Main Building · Gloversville · NY · 12078-5703 About 6.9 miles away](https://rateapi.dev/credit-unions/new-york/first-choice-financial) [**Sidney** Amsterdam · Amsterdam · NY · 12010 About 13.6 miles away](https://rateapi.dev/credit-unions/new-york/sidney) [**M. C. T.** 4883 State Highway 30 · AMSTERDAM · NY · 12010 About 13.8 miles away](https://rateapi.dev/credit-unions/new-york/m-c-t) [**Broadview** Amsterdam · Amsterdam · NY · 12010 About 14.4 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Remington** MCT Federal Credit Union · Amsterdam · NY · 12010-4413 About 15.4 miles away](https://rateapi.dev/credit-unions/new-york/remington) [**Empower** Palatine Bridge · Palatine Bridge · NY · 13428-2810 About 17.5 miles away](https://rateapi.dev/credit-unions/new-york/empower) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Upstate Telco Credit Union Membership eligibility from Upstate Telco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Upstate Telco Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Frontier Communications Verified from [Upstate Telco Credit Union's membership page](https://www.upstatetelcofcu.org/membership.htm) . Final membership determination is always made by the credit union. ## Membership rules for Upstate Telco Credit Union Employers 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Upstate Telco Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Frontier Communications - Work Location the Gloversville or Middletown offices (as written on the source page) “Membership is open to active or retired employees of Frontier Communications who work or are supervised from the Gloversville or Middletown offices.” > [source ↗](https://www.upstatetelcofcu.org/membership.htm) - Employee of Frontier Communications and Works at the Gloversville or Middletown offices - Retired employee of Frontier Communications - Work Location the Gloversville or Middletown offices (as written on the source page) “Membership is open to active or retired employees of Frontier Communications who work or are supervised from the Gloversville or Middletown offices.” > [source ↗](https://www.upstatetelcofcu.org/membership.htm) - Retiree of Frontier Communications and Works at the Gloversville or Middletown offices ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family, household members “In addition, immediate family and household members of existing credit union members are also eligible to join.” > [source ↗](https://www.upstatetelcofcu.org/membership.htm) - Family member (immediate family, household members) of a member - Family of a member immediate family, household member “In addition, immediate family and household members of existing credit union members are also eligible to join.” > [source ↗](https://www.upstatetelcofcu.org/membership.htm) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Upstate Telco Credit Union? Yes No ## Work at Upstate Telco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Upstate Telco Credit Union ranks against New York peers. - See which AI assistants fetched Upstate Telco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=upstate-telco&state=new-york&code=NY&name=Upstate%20Telco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Upstate Telco Credit Union offer? Upstate Telco Credit Union currently offers vehicle loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Upstate Telco Credit Union rates updated? RateAPI verifies Upstate Telco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Upstate Telco Credit Union's rate data? Rate data is collected directly from Upstate Telco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Upstate Telco Credit Union? Upstate Telco Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers for Upstate Telco Credit Union, each quoted from Upstate Telco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Upstate Telco Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.upstatetelcofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Upstate Telco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Upstate Telco Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /upstate-telco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Upstate Telco Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/upstate-telco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp