Credit union · NCUA insured
Cambridge Municipal Employees Federal Credit Union Auto Loan Rates
Cambridge Municipal Employees Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Cambridge Municipal Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Cambridge Municipal Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cambridge Municipal Employees Federal Credit Union
4.75%APR
- Terms
- up to 72 months
New Vehicle and Boat
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
Cambridge Municipal Employees Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cambridge Municipal Employees Federal 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 Vehicle Refinance
Up to 100% of cost for up to 72 months. Must have been purchased as a new car within 6 months of Credit Union loan application date (i.e. current or future year model previously untitled at time of purchase) with original financing through another funding source. A $25 change fee applies to process change in lienholder on vehicle title. Maximum debt ratio 45%. Comprehensive and collision insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.00% | Credit score 720 - 850 (Excellent). |
| up to 72 months | 5.75% | Credit score 700 - 719 (Very Good). |
| up to 72 months | 6.75% | Credit score 675 - 699 (Acceptable). |
| up to 72 months | 7.75% | Credit score 620 - 674 (Uncertain). |
| up to 72 months | 8.75% | Credit score 560 - 619 (High Risk). |
| up to 72 months | 9.75% | Credit score 500 - 559 (Extreme High Risk). |
Sources (3)
All captured Oct 7, 2026
New Vehicle and Boat
Finance up to 100% of cost for up to 72 months. Maximum debt ratio of 45% required. Comprehensive and collision insurance required (maximum $1,000 deductible) with Credit Union listed as loss payee. Automatic payroll/pension deductions required if employed by eligible Cambridge entities.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.75% | Credit score 720 - 850 (Excellent). |
| up to 72 months | 5.50% | Credit score 700 - 719 (Very Good). |
| up to 72 months | 6.50% | Credit score 675 - 699 (Acceptable). |
| up to 72 months | 7.50% | Credit score 620 - 674 (Uncertain). |
| up to 72 months | 8.50% | Credit score 560 - 619 (High Risk). |
| up to 72 months | 9.50% | Credit score 500 - 559 (Extreme High Risk). |
Sources (2)
All captured Oct 7, 2026
Used Vehicle and Boat
Finance up to 100% of cost for cars newer than 3 years for up to 72 months; finance up to 100% of cost for cars older than 3 years for up to 60 months. Maximum age of used vehicle cannot exceed 7 years. Used vehicle loans for 60 months must be $13,000 or greater. Maximum debt ratio 45%. Comprehensive and collision insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.50% | Credit score 720 - 850 (Excellent). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
| up to 72 months | 6.50% | Credit score 700 - 719 (Very Good). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
| up to 72 months | 7.50% | Credit score 675 - 699 (Acceptable). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
| up to 72 months | 8.50% | Credit score 620 - 674 (Uncertain). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
| up to 72 months | 9.50% | Credit score 560 - 619 (High Risk). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
| up to 72 months | 10.50% | Credit score 500 - 559 (Extreme High Risk). Term up to 72 months for cars newer than 3 years; up to 60 months for cars older than 3 years (minimum $13,000 loan amount for 60-month term). |
Sources (2)
All captured Oct 7, 2026
Who can join Cambridge Municipal Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.