What is the typical credit union auto loan rate in Massachusetts?

The median new auto loan rate Massachusetts credit unions reported on their Q2 2026 call reports was 5.25%, and the median used auto rate was 5.88%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Massachusetts

Massachusetts credit unions reported a median new auto loan rate of 5.25% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Worcester Credit Union reported the lowest, 1.95%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Massachusetts median	US median
New auto	5.25%	5.46%
Used auto	5.88%	6.32%
Credit card	11.99%	11.50%
Personal	10.99%	11.75%
Mortgage	5.92%	5.75%
Home equity	6.50%	6.75%

Lowest credit card rate reported in Massachusetts: Gfa Federal Credit Union, 1.99%. Lowest first mortgage rate: Brookline Municipal Credit Union, 2.88%. (Same size rules as the national rankings.)

Every Massachusetts credit union's reported rates

All 121 Massachusetts credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Rockland Federal Credit Union	6.38%	6.90%	11.49%	9.28%	5.57%	6.19%
Metro Credit Union	6.24%	6.49%	14.74%	12.90%	6.00%	7.50%
Workers Federal Credit Union	4.99%	5.74%	–	9.49%	6.03%	7.62%
Brightbridge Credit Union	5.49%	5.49%	18.00%	10.99%	6.25%	7.50%
Jeanne D'arc Credit Union	4.99%	4.99%	15.99%	12.99%	5.25%	5.75%
Hanscom Federal Credit Union	5.49%	5.49%	13.99%	11.49%	6.55%	6.75%
Greylock Federal Credit Union	5.29%	5.29%	13.75%	18.00%	5.88%	6.75%
Webster First Federal Credit Union	5.14%	5.64%	11.25%	6.87%	5.84%	6.68%
Sharon & Crescent United Credit Union	5.22%	6.05%	15.98%	12.26%	6.06%	6.58%
St. Anne's Credit Union	6.19%	7.09%	14.00%	13.99%	5.88%	6.75%
Harvard Federal Credit Union	5.70%	6.25%	15.50%	10.75%	6.00%	6.15%
St. Mary's Credit Union	5.99%	6.80%	–	11.25%	4.26%	6.26%
All One Credit Union	4.39%	5.50%	–	13.00%	6.00%	5.75%
Central One Federal Credit Union	6.05%	5.88%	13.59%	7.82%	5.96%	6.19%
Liberty Bay Credit Union	5.74%	5.99%	–	12.99%	3.00%	6.75%
Direct Federal Credit Union	6.05%	6.79%	13.41%	15.04%	5.50%	6.19%
Polish National Credit Union	5.25%	5.25%	–	12.00%	6.25%	6.40%
Freedom Credit Union	7.00%	7.00%	13.75%	12.75%	6.50%	7.00%
Gfa Federal Credit Union	5.74%	6.49%	1.99%	17.94%	5.50%	6.75%
Mass. Institute of Tech. Federal Credit Union	5.25%	5.49%	–	8.50%	6.25%	6.75%
Quincy Credit Union	4.69%	4.56%	10.90%	14.01%	6.25%	6.25%
First Citizens' Federal Credit Union	5.62%	6.80%	–	5.00%	5.00%	5.00%
Umassfive College Federal Credit Union	5.54%	5.79%	16.25%	11.74%	6.50%	6.50%
Align Credit Union	5.49%	5.18%	11.31%	7.58%	5.95%	6.79%
I-C Federal Credit Union	6.02%	6.02%	14.16%	9.91%	6.38%	6.24%
City of Boston Credit Union	4.84%	5.82%	15.24%	11.85%	3.75%	6.75%
Millbury Federal Credit Union	5.66%	6.57%	–	14.07%	3.90%	6.45%
Boston Firefighters Credit Union	4.99%	4.49%	13.90%	7.99%	5.35%	4.50%
Taunton Federal Credit Union	6.24%	7.99%	–	8.49%	6.88%	6.75%
St. Jean's Credit Union	5.25%	6.25%	–	13.99%	6.25%	6.25%
Mass Bay Credit Union	4.49%	4.99%	–	12.37%	6.00%	6.50%
Members Plus Credit Union	5.25%	5.50%	12.90%	9.99%	7.50%	7.50%
Massmutual Federal Credit Union	6.00%	6.00%	18.00%	9.75%	5.63%	6.50%
Fall River Municipal Credit Union	5.70%	6.95%	–	11.50%	5.95%	6.75%
Holyoke Credit Union	8.00%	8.60%	15.10%	10.00%	5.23%	5.56%
Alltrust Credit Union	4.99%	5.13%	–	10.75%	6.90%	6.20%
Somerset Federal Credit Union	6.00%	6.00%	–	9.25%	6.00%	7.25%
Tremont Credit Union	5.99%	6.99%	–	16.99%	3.25%	6.25%
Shrewsbury Federal Credit Union	5.84%	4.75%	12.74%	10.88%	6.54%	6.74%
Luso Federal Credit Union	6.12%	7.25%	15.08%	13.41%	4.05%	6.39%
Southbridge Credit Union	4.75%	5.75%	–	9.99%	6.00%	7.25%
Greater Springfield Credit Union	6.28%	6.66%	13.50%	12.08%	4.70%	6.49%
River Works Credit Union	5.50%	5.50%	–	10.50%	6.00%	6.75%
Alden Credit Union	5.16%	6.58%	15.45%	15.82%	4.20%	5.42%
Naveo Credit Union	3.00%	5.00%	–	15.45%	3.75%	6.75%
Homefield Credit Union	5.25%	5.25%	–	13.99%	6.48%	6.75%
New Bedford Credit Union	7.28%	8.27%	9.74%	5.82%	5.99%	6.68%
Pioneer Valley Federal Credit Union	4.99%	5.11%	–	13.71%	5.73%	6.89%
Metrowest Community Federal Credit Union	5.74%	5.74%	9.00%	11.99%	4.50%	5.50%
First Priority Credit Union	6.50%	7.49%	–	13.24%	7.00%	6.50%
Energy Credit Union	5.65%	6.85%	–	10.87%	4.31%	6.25%
Nesc Federal Credit Union	4.99%	4.99%	12.50%	16.00%	6.00%	7.00%
Brotherhood Credit Union	5.13%	5.13%	–	12.00%	6.13%	5.49%
Luso-American Credit Union	4.25%	4.29%	12.99%	7.90%	3.00%	6.00%
St. Michaels Fall River Federal Credit Union	6.25%	6.65%	18.00%	11.88%	6.32%	6.75%
Worcester Credit Union	1.95%	5.99%	12.50%	14.00%	5.89%	5.75%
Common Trust Federal Credit Union	5.24%	5.99%	9.90%	11.99%	6.25%	6.50%
Tewksbury Federal Credit Union	6.36%	6.82%	10.90%	11.02%	4.56%	6.50%
Athol Credit Union	5.99%	5.99%	–	10.24%	7.00%	8.50%
Westport Federal Credit Union	5.44%	5.84%	11.99%	11.25%	6.00%	6.50%
Allcom Credit Union	4.99%	4.99%	10.90%	11.49%	5.94%	6.25%
New England Teamsters Federal Credit Union	6.99%	8.99%	10.99%	10.50%	6.00%	6.75%
Stoneham Municipal Employees Federal Credit Union	5.25%	6.49%	11.99%	11.99%	5.63%	6.75%
Cranberry Federal Credit Union	5.29%	5.47%	9.90%	9.30%	4.24%	6.39%
Southcoast Federal Credit Union	5.00%	5.00%	11.99%	6.99%	6.50%	6.50%
Notre Dame Community Federal Credit Union	5.25%	5.50%	–	10.00%	6.00%	6.50%
Brookline Municipal Credit Union	5.00%	5.50%	–	12.99%	2.88%	6.25%
Goldmark Federal Credit Union	4.99%	8.00%	–	9.24%	6.00%	6.00%
Somerville Municipal Federal Credit Union	5.32%	7.00%	–	11.05%	3.84%	6.66%
Worcester Fire Dept. Credit Union	4.80%	5.97%	9.90%	8.24%	4.22%	5.88%
Methuen Federal Credit Union	4.75%	5.00%	8.50%	11.75%	4.00%	6.75%
600 Atlantic Federal Credit Union	5.25%	6.50%	11.90%	12.65%	6.50%	7.25%
St. Anthony of Padua Federal Credit Union	5.00%	6.25%	–	10.24%	4.77%	5.87%
The Andovers Federal Credit Union	4.91%	6.43%	9.99%	9.25%	–	6.06%
Alpha Credit Union	4.45%	5.03%	–	8.04%	3.74%	6.32%
Norfolk Community Federal Credit Union	5.10%	5.70%	11.90%	3.72%	5.61%	5.61%
Taupa Lithuanian Federal Credit Union	4.51%	5.43%	9.99%	10.15%	4.87%	6.60%
Mills42 Federal Credit Union	5.49%	5.49%	9.90%	12.00%	6.75%	6.75%
Leominster Employees Federal Credit Union	6.22%	5.97%	–	12.14%	4.48%	6.66%
Massachusetts Family Federal Credit Union	5.99%	6.50%	–	15.00%	6.50%	9.00%
HTM Credit Union	4.83%	6.23%	8.99%	11.07%	4.74%	6.62%
Malden Federal Credit Union	5.90%	6.40%	9.90%	11.00%	5.50%	6.75%
Lowell Firefighters Credit Union	5.95%	5.11%	–	6.21%	3.78%	5.25%
Haverhill Fire Department Credit Union	5.73%	6.58%	–	14.30%	3.81%	7.75%
Mycom Federal Credit Union	5.45%	7.60%	10.99%	9.36%	8.99%	7.25%
Beverly Municipal Federal Credit Union	3.99%	3.99%	–	7.05%	6.50%	6.75%
Worcester Police Department Federal Credit Union	4.65%	5.25%	–	11.25%	6.50%	6.75%
Attleboro M E Federal Credit Union	5.13%	5.86%	11.90%	8.57%	2.93%	5.94%
Rah Federal Credit Union	6.14%	6.64%	9.99%	13.99%	6.50%	7.25%
Billerica Municipal Employees Credit Union	4.37%	5.30%	–	9.97%	3.29%	–
Somerville School Employees Federal Credit Union	4.50%	4.75%	–	10.50%	–	5.00%
Chelsea Employees Federal Credit Union	3.90%	4.90%	–	11.90%	–	6.75%
Lynn Firemens Federal Credit Union	3.41%	3.33%	9.90%	9.57%	3.46%	6.75%
Santo Christo Federal Credit Union	5.36%	6.47%	11.90%	8.26%	5.59%	6.00%
Cambridge Firefighters Federal Credit Union	4.99%	5.99%	–	11.00%	6.50%	6.50%
Marblehead Municipal Federal Credit Union	4.99%	4.99%	–	12.50%	–	5.50%
Lynn Police Credit Union	4.99%	5.49%	–	10.90%	–	6.50%
Burlington Municipal Employees Federal Credit Union	6.05%	5.99%	9.90%	10.86%	–	6.74%
Cambridge Municipal Employees Federal Credit Union	4.75%	6.50%	–	10.50%	–	7.75%
Morton Federal Credit Union	4.59%	5.82%	–	9.74%	4.66%	5.95%
Arlington Municipal Federal Credit Union	4.49%	5.49%	–	12.00%	6.75%	6.50%
Watertown Municipal Credit Union	3.50%	5.00%	–	7.50%	4.00%	–
Dedham Town Employees Federal Credit Union	4.96%	5.89%	–	9.09%	–	–
Lowell Municipal Employees Federal Credit Union	5.20%	6.06%	–	10.23%	–	–
Danvers Municipal Federal Credit Union	4.50%	5.50%	–	12.00%	–	–
Somerville Mass Firefighters Federal Credit Union	4.00%	4.50%	–	7.00%	–	6.00%
Medford Municipal Employees Federal Credit Union	4.74%	5.82%	–	9.67%	–	–
Health Alliance Federal Credit Union	4.50%	7.00%	–	9.50%	–	–
Norwood Town Employees Federal Credit Union	4.10%	6.26%	–	10.52%	–	–
Lynn Teachers Credit Union	5.00%	8.00%	–	12.00%	–	–
Revere Firefighters Federal Credit Union	4.75%	5.75%	–	10.00%	–	3.00%
Middlesex-Essex Postal Employees Federal Credit Union	6.00%	7.00%	–	12.50%	–	–
Belmont Municipal Federal Credit Union	5.00%	5.00%	–	12.00%	–	6.25%
New England Lee Federal Credit Union	–	5.25%	–	6.00%	–	5.25%
Boston Customs Federal Credit Union	8.00%	9.00%	–	9.00%	–	–
Stoughton Town Employees Federal Credit Union	4.84%	5.32%	–	9.99%	–	–
North Adams M E Federal Credit Union	6.00%	7.00%	–	9.00%	–	–
Symphony Federal Credit Union	4.68%	6.09%	–	12.03%	2.29%	–
M.o.s.e.s. Federal Credit Union	4.00%	–	–	12.00%	–	–
Manchester Federal Credit Union	4.25%	5.75%	–	10.00%	–	–
Messiah Baptist-Jubilee Federal Credit Union	–	7.00%	–	7.00%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Massachusetts credit unions · Lowest rates nationally