Credit union · NCUA insured
BrightBridge Credit Union Auto Loan Rates
Top CarrotBrightBridge 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 BrightBridge Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where BrightBridge Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
Auto Loans (Model Years 2026 - 2021)
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
BrightBridge 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 BrightBridge 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 Loans (Model Years 2026 - 2021)
Advertised rates available on new and used vehicle loans of model year 2021 or newer with maximum loan-to-value (LTV) of 100% or less and maximum mileage of 100,000 miles. Requires a qualifying direct deposit of at least $1,000 per month into any deposit account initiated within 45 days of loan closing to receive a 0.50% relationship discount; if direct deposit is not established or is discontinued, the rate increases by 0.50%. Valid on auto loans originated on or after January 1, 2026. APR is based on $10,000 financed, except for 73-84/76-87 month term which is based on $35,000 minimum loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed. |
| 37–48 months | 4.99% | Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed. |
| 49–66 months | 4.99% | Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed. |
| 67–75 months | 5.49% | Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed. |
| 76–87 months | 5.49% | Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. Based on $35,000 minimum loan amount. |
Who can join BrightBridge 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, volunteer, or attend school in eligible counties in CT, MA, NH, or RI qualify for membership.
Employers and groups
- Employees and members of participating employer and sponsor groups qualify for membership.
Military, government and schools
- Employees or members of participating government and educational entities qualify for membership.
Family and household
- Individuals who have a family member living in the Field of Membership qualify for membership.
Other ways
- Members or volunteers of a religious, civic, or charitable organization with its principal place of business within the Field of Membership qualify for membership.
Membership information collected October 5, 2026.