Credit union · NCUA insured
All One Credit Union Auto Loan Rates
Top CarrotAll One 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 All One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where All One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
All One Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
All One Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 All One 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.
Auto Loan
AOCU membership is required, members must maintain a $5.00 deposit relationship. Advertised rates require a 730+ FICO score and reflect a 0.25% discount for automatic payment from an AOCU deposit account. Amount financed includes $160 VSI Insurance. Up to 120% financing available on consumer autos. Available for consumer purpose vehicles only. For rates on automobiles older than 2016, please call us.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Model Years 2026-2019. Maximum term 36 months. Estimated monthly payment of $30.26 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 48 months | 4.99% | Model Years 2026-2019. Maximum term 48 months. Estimated monthly payment of $23.39 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 60 months | 4.99% | Model Years 2026-2019. Maximum term 60 months. Estimated monthly payment of $19.17 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 72 months | 5.39% | Model Years 2026-2019. Maximum term 72 months. Estimated monthly payment of $16.55 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 84 months | 5.99% | Model Year 2021 or Newer. 84 month term is only available for top credit tiers, vehicle models 2021 or newer, and an amount financed of $25,000.00 or more. Estimated monthly payment of $14.84 per $1,000 borrowed. Reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 48 months | 5.50% | Model Years 2018-2016. Maximum term 48 months. Estimated monthly payment of $23.63 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
| up to 60 months | 5.50% | Model Years 2018-2016. Maximum term 60 months. Estimated monthly payment of $19.41 per $1,000 borrowed. Requires 730+ FICO score and reflects a 0.25% discount for automatic payment from an AOCU deposit account. |
Sources (3)
All captured Oct 15, 2026
Motorcycles
Advertised rates for motorcycles reflect a .25% discount for automatic payment from an AOCU deposit account and require a 730+ FICO score. AOCU membership is required ($5.00 deposit relationship). Actual rates may differ based on underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.00% | New motorcycle loan with max term 48 months. Estimated monthly payment per $1,000 borrowed is $24.80. Reflects 0.25% autopay discount and 730+ FICO. |
| up to 36 months | 8.00% | Used motorcycle loan with max term 36 months. Estimated monthly payment per $1,000 borrowed is $31.84. Reflects 0.25% autopay discount and 730+ FICO. |
Sources (1)
- all-onecu.com/rates/loan-rates · captured Oct 15, 2026
Who can join All One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Employers and groups
- Individuals who are members of religious, civic, or charitable organizations with their principal place of business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Family and household
- Family members of current All One Credit Union members—specifically spouse, mother, father, son, daughter, grandparent, grandchild, brother, sister, stepchild, or stepparent guardian—are eligible for membership regardless of where they live.
Cost to join
- Members must maintain a minimum of a $5.00 savings account.
Membership information collected October 5, 2026.