Credit union · NCUA insured
Align Credit Union Auto Loan Rates
Align Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Align Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Align Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Align Credit Union
4.99%APR
- Terms
- up to 60 months
New & Used Auto Loans
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
Align Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Align Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Maximum age of motorcycle 5 years old. Up to 100% financing based on NADA retail value and credit score. Borrow up to $50,000. Title vehicles only. Purchases and refinances from other institutions (no cash out refinances). No application fees or prepayment penalties. Credit union membership required. All loans subject to credit approval. Payments reflect principal and interest only.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.50% | New Motorcycle 2025-2026. Payment example: $18.07 per $1,000 borrowed for 66 months. |
Sources (2)
All captured Oct 15, 2026
New & Used Auto Loans
Up to 125% financing for new vehicles based on MSRP and credit score; up to 125% financing for used vehicles based on NADA Retail Value and credit score. Maximum age of vehicle is 10 years old. Not available for commercial purpose vehicles. Credit union membership is required (members must maintain a $5 deposit relationship). All loans subject to credit approval. Amount financed includes $90 VSI Insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $29.97 per $1,000 borrowed for 36 months. |
| up to 48 months | 4.99% | Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $23.03 per $1,000 borrowed for 48 months. |
| up to 60 months | 4.99% | Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $18.87 per $1,000 borrowed for 60 months. |
| up to 72 months | 5.49% | Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $16.34 per $1,000 borrowed for 72 months. |
| up to 84 months | 6.99% | Applicable to New/Used Auto (Model Years 2022-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $15.09 per $1,000 borrowed for 84 months. |
Sources (2)
All captured Oct 15, 2026
Who can join Align Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.