Credit union · NCUA insured
Chelsea Employees Federal Credit Union Auto Loan Rates
Top CarrotChelsea Employees Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Chelsea Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Chelsea Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
New Autos
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
3rd-lowest rate
Luso American Credit Union
3.99%APR
- Terms
- —
Chelsea Employees Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chelsea 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 Autos
All rates listed above are for loans paid through payroll deduction or automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
Sources (1)
- chelseaefcu.org/loan-rates · captured Oct 7, 2026
Used Autos
All rates listed above are for loans paid through payroll deduction or automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99% | Model years 2026 - 2027. 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
| up to 72 months | 4.99% | Model years 2023 - 2025. 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
| up to 72 months | 5.99% | Model years 2020 - 2022. 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
| up to 60 months | 6.99% | Model years 2017 - 2019. 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
| up to 48 months | 8.99% | Older Vehicles. 90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment. |
Sources (1)
- chelseaefcu.org/loan-rates · captured Oct 7, 2026
Who can join Chelsea Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Chelsea Chamber of Commerce are eligible for membership.
- Employees of Chelsea Restoration are eligible for membership.
Military, government and schools
- Employees of the Chelsea Housing Authority are eligible for membership.
- Employees of the City of Chelsea are eligible for membership.
Family and household
- Direct family members of qualifying employer group employees are eligible to join.
Cost to join
- Membership requires signing an Application for Membership and depositing $25.00, the par value of one share.
Membership information collected October 5, 2026.