Credit union · NCUA insured
Common Trust FCU Auto Loan Rates
Common Trust FCU auto loans start at 5.49% APR for a new vehicle and 6.24% for a used one. Rates checked October 15, 2026.
How Common Trust FCU’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Common Trust FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Common Trust FCU
5.49%APR
- Terms
- up to 60 months
Auto Loan (New)
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
Common Trust FCU auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Common Trust FCU 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 Loan (New)
Rates depend on creditworthiness and term. New vehicles (current year) must have less than 6,000 miles to qualify as new. Up to 120% financing available. Loans financed for over 100% of value must have GAP insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Up to 60 months; 2024-2026 model year. |
| 61–84 months | 5.99% | 61-84 months; 2024-2026 model year. For 84 month loan, loan amount must be greater than $50,000. |
Sources (1)
- commontrustfcu.org/vehicle-loans · captured Oct 7, 2026
Motorcycle New
Finance up to 100% of the value of new motorcycle. Rate based on credit history and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.49% | Up to 72 Months, 100% financing. Rate as low as 6.49%. |
Sources (1)
- commontrustfcu.org/vehicle-loans · captured Oct 7, 2026
Motorcycle Used
Finance up to 80%-90% of the value of used motorcycle. Rate based on credit history and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Model years 2021-2025. Finance up to 90%. Rate as low as 7.49%. |
| up to 36 months | 8.49% | Model years 2010-2020. Finance up to 80%. Rate as low as 8.49%. |
Sources (1)
- commontrustfcu.org/vehicle-loans · captured Oct 7, 2026
Vehicle Used
Finance up to 120% of the value/NADA Retail value of the vehicle. Auto loans financed for over 100% of the value of the vehicle must have GAP insurance. Rate based on creditworthiness/history and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24% | Model years 2019-2023. Rate as low as 6.24%. |
| up to 36 months | 7.49% | Model years 2009-2018. Rate as low as 7.49%. |
Sources (2)
All captured Oct 7, 2026
Who can join Common Trust FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, worships, regularly conducts business in, or attends school in, as well as businesses and other legal entities located in, a contiguous portion of Middlesex County consisting of Arlington, Bedford, Belmont, Burlington, Concord, Lexington, Lincoln, Medford, Melrose, Natick, Needham, Newton, North Reading, Reading, Somerville, Stoneham, Tewksbury, Wakefield, Waltham, Watertown, Wellesley, Weston, Wilmington, Winchester, and Woburn, Massachusetts.
Cost to join
- A $15 share deposit in a Share Account is required to establish membership.
Membership information collected October 5, 2026.