Credit union · NCUA insured
Central One Federal Credit Union Auto Loan Rates
Central One Federal Credit Union auto loans start at 6.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 5, 2026.
How Central One Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where Central One Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central One Federal Credit Union
6.49%APR
- Terms
- up to 60 months
- Discount
- None included
Motor Vehicle Acquisition Program (MAP)
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
Central One Federal Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central One 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.
Motor Vehicle Acquisition Program (MAP)
Only available for non-commercial passenger vehicles. Any vehicle with MSRP over $75,000.00 and a residual value of $20,000.00 or more will have a surcharge added to the loan. Stated rate assumes term of 24 months and LTV under 75%. Actual rate determined based on credit history, term, LTV, and other factors. A disposition fee of $395.00 applies if you opt to turn in your vehicle at the end of the term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Assumes LTV under 75%. |
| up to 36 months | 6.24% | — |
| up to 48 months | 6.37% | — |
| up to 60 months | 6.49% | — |
| up to 72 months | 7.24% | — |
| up to 84 months | 7.49% | — |
Sources (3)
- centralfcu.com/auto-loans-made-simple
- centralfcu.com/loans/vehicle/auto-loans
- centralfcu.com/resources/rates
All captured Oct 5, 2026
New, Used, Refinance Auto Loan
Rates for personal use vehicles only; commercial use rates may be higher. Subject to creditworthiness. Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage. Qualified borrowers with A+ or A credit may borrow up to 120% of NADA retail value. Stated rate assumes term of 24 months and LTV under 75%. Actual rate determined based on credit history, term, LTV, and other factors. Discounted rate available on hybrid or EV vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74% | Assumes LTV under 75%. |
| up to 36 months | 4.99% | — |
| up to 48 months | 5.12% | — |
| up to 60 months | 5.24% | — |
| up to 72 months | 5.99% | — |
| up to 84 months | 6.24% | — |
Sources (3)
- centralfcu.com/auto-loans-made-simple
- centralfcu.com/loans/vehicle/auto-loans
- centralfcu.com/resources/rates
All captured Oct 5, 2026
Who can join Central One Federal 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, worship, volunteer, or attend school in Worcester County or parts of Middlesex and Norfolk counties are eligible for membership.
Employers and groups
- Businesses and organizations located within Worcester County or eligible parts of Middlesex and Norfolk counties are eligible for membership.
Family and household
- Family or household members of existing members are eligible to join.
Membership information collected October 5, 2026.