Credit union · NCUA insured
Alltrust Credit Union Auto Loan Rates
Alltrust 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 Alltrust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Alltrust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alltrust Credit Union
4.99%APR
- Terms
- up to 60 months
Auto Loan - Model Years 2023 or later
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
Alltrust 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 Alltrust 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 - Model Years 2019-2020
Rates are based on credit score and may vary. Rates shown reflect a loan amount of $25,000 and a credit score of 700 or greater on a 60-month term with automatic payment from an Alltrust Credit Union checking account. Up to 90% loan-to-value. Used vehicle financing available for models aged 4–7 years with maximum mileage eligibility of 100,000 miles. $5 Regular Savings required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Up to 90% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
| up to 60 months | 4.99% | Up to 90% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
Sources (1)
- alltrustcu.org/rates · captured Oct 15, 2026
Auto Loan - Model Years 2021-2022
Rates are based on credit score and may vary. Rates shown reflect a loan amount of $25,000 and a credit score of 700 or greater on a 60-month term with automatic payment from an Alltrust Credit Union checking account. Up to 95% loan-to-value. $5 Regular Savings required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Up to 95% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
| up to 72 months | 4.99% | Up to 95% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
Sources (1)
- alltrustcu.org/rates · captured Oct 15, 2026
Auto Loan - Model Years 2023 or later
Rates are based on credit score and may vary. Rates shown reflect a loan amount of $25,000 and a credit score of 700 or greater on a 60-month term with automatic payment from an Alltrust Credit Union checking account. Up to 100% loan-to-value. $5 Regular Savings required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Up to 100% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
| up to 72 months | 4.99% | Up to 100% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
| up to 84 months | 6.24% | Up to 100% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required. |
Sources (1)
- alltrustcu.org/rates · captured Oct 15, 2026
Who can join Alltrust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or attends school in Bristol, Barnstable, Dukes, Nantucket, Norfolk, and Plymouth counties in Massachusetts.
- Membership is open to everyone who lives, works, or attends school in all cities and towns in Rhode Island.
Family and household
- All family members of existing members qualify for membership.
Cost to join
- To join, a deposit of $5 in a Regular Savings Account is required.
Membership information collected October 5, 2026.