Credit union · NCUA insured
AllCom Credit Union Auto Loan Rates
Top CarrotAllCom Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How AllCom Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where AllCom Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AllCom Credit Union
4.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Consumer Vehicle Loans
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
AllCom Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AllCom 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.
Consumer Vehicle Loans
All loans subject to membership and credit approval. Normal underwriting guidelines apply. New loans to AllCom CU. Rate will vary by term of loan, model year of collateral, and credit score. Financing up to 100% of purchase price (purchases) or NADA retail value (refinances). Optional 90 Days No Payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Model Years 2021-2027. Rate as low as 4.74% APR. 4.74% best rate available and includes 0.25% rate reduction for qualified borrowers with automatic payment from an AllCom account with monthly direct deposits of $500 or more. Estimated monthly payment of $29.86 per $1,000 borrowed for 36 months. |
| up to 36 months | 11.24% | Used Model Years 2014-2020. Rate as low as 11.24% APR. Estimated monthly payment of $32.87 per $1,000 borrowed for 36 months. |
| 37–48 months | 4.74% | Model Years 2021-2027. Rate as low as 4.74% APR. Estimated monthly payment of $22.92 per $1,000 borrowed. Includes 0.25% rate reduction for qualified borrowers with automatic payment from an AllCom account with monthly direct deposits of $500 or more. |
| 49–60 months | 4.74% | Model Years 2021-2027. Rate as low as 4.74% APR. Estimated monthly payment of $18.76 per $1,000 borrowed. Includes 0.25% rate reduction for qualified borrowers with automatic payment from an AllCom account with monthly direct deposits of $500 or more. |
| 61–72 months | 4.99% | Model Years 2021-2027. Rate as low as 4.99% APR. Estimated monthly payment of $16.11 per $1,000 borrowed. Includes 0.25% rate reduction for qualified borrowers with automatic payment from an AllCom account with monthly direct deposits of $500 or more. |
| 73–84 months | 6.99% | Model Years 2021-2027. Rate as low as 6.99% APR. Estimated monthly payment of $15.10 per $1,000 borrowed. Includes 0.25% rate reduction for qualified borrowers with automatic payment from an AllCom account with monthly direct deposits of $500 or more. |
Who can join AllCom 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 attend school in 23 specific communities in Middlesex County are eligible for membership.
- Individuals who live, work, or attend school in Worcester County are eligible for membership.
Employers and groups
- Employees and retirees of AT&T and its divested companies, the divested Bell companies, Verizon Communications, Eversource, AllCom Credit Union, and their subsidiaries or successor companies are eligible to join.
- Employees and retirees of companies primarily engaged in the communications, gas, or electrical utility industries are eligible if the company has a place of business or employees living or working in Worcester County.
Family and household
- Family members of eligible members and anyone maintaining principal residence in the same household as a member are eligible to join.
Membership information collected October 5, 2026.