Credit union · NCUA insured
Alpha Credit Union Auto Loan Rates
Alpha Credit Union auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 15, 2026.
How Alpha Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Alpha Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alpha Credit Union
4.50%APR
- Terms
- up to 60 months
New Auto Loan
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
Alpha Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alpha 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.
New Auto Loan
Up to 100% NADA financing; maximum loan $50,000; maximum term is 60 months or 5 years. Requires application, purchase order, and insurance binder with ACU listed as First Lien Holder. $25.00 Single Interest Fee; optional GAP Insurance for $250.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | FICO score 700 or more |
| up to 60 months | 5.00% | FICO score 650-699 |
| up to 60 months | 6.25% | FICO score 600-649 |
| up to 60 months | 6.75% | FICO score less than 600 |
Used Auto Loan
Up to 100% NADA financing; maximum loan $50,000; maximum term is 60 months or 5 years. Requires application, purchase order, and insurance binder with ACU listed as First Lien Holder. $25.00 Single Interest Fee; optional GAP Insurance for $250.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | FICO score 700 or more |
| up to 60 months | 5.50% | FICO score 650-699 |
| up to 60 months | 7.00% | FICO score 600-649 |
| up to 60 months | 7.50% | FICO score less than 600 |
Who can join Alpha Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals working at Beth Israel Deaconess Medical Center, Joslin Diabetes Center, Lahey Health, Tufts Medical Center, or Harvard Medical Faculty Physicians at Beth Israel Deaconess Medical Center (HMFP) are eligible for membership.
Family and household
- Membership is available to members' spouse or domestic partner, children, step-children or domestic partner's children, parent, step-parents, parent's domestic partner, grandchildren, step-grandchildren, grandparents, step-grandparents, domestic partners' parents or grandparents, and siblings or step-siblings.
Membership information collected October 5, 2026.