Credit union · NCUA insured
Direct Federal Credit Union Auto Loan Rates
Direct Federal Credit Union auto loans start at 6.14% APR for a new vehicle and 6.14% for a used one. Rates checked October 15, 2026.
How Direct Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Direct Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Direct Federal Credit Union
6.14%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Vehicle Loan
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
Direct Federal Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.14%
- Used vehicleUsed6.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Direct 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.
Vehicle Loan
Maximum loan amount is $100,000.00. Maximum loan-to-value for gas and hybrid vehicles is 120% and for electric vehicles is 75%. Maximum loan-to-value for Tier 4 borrowers is 100% (No Exceptions). Loan-to-value maximums includes full purchase price plus sales tax. Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval. APR shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking Account , the APR will be 0.25% higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 6.14% | Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 18.61. Assumes pairing with active Direct Advantage Checking. |
| up to 66 months | 6.34% | Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 17.99. Assumes pairing with active Direct Advantage Checking. |
| up to 75 months | 6.34% | Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 16.18. Assumes pairing with active Direct Advantage Checking. |
| up to 84 months | 7.34% | Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 15.26. Assumes pairing with active Direct Advantage Checking. |
| up to 63 months | 6.24% | Model year 2020–2021. Cost / $1,000 is 18.66. Assumes pairing with active Direct Advantage Checking. |
| up to 66 months | 6.39% | Model year 2020–2021. Cost / $1,000 is 18.01. Assumes pairing with active Direct Advantage Checking. |
| up to 75 months | 6.54% | Model year 2020–2021. Cost / $1,000 is 16.28. Assumes pairing with active Direct Advantage Checking. |
| up to 78 months | 7.24% | Model year 2020–2021. Cost / $1,000 is 16.11. Assumes pairing with active Direct Advantage Checking. |
| up to 60 months | 6.89% | Model year 2018–2019. Cost / $1,000 is 19.75. Assumes pairing with active Direct Advantage Checking. |
| up to 66 months | 7.14% | Model year 2018–2019. Cost / $1,000 is 18.37. Assumes pairing with active Direct Advantage Checking. |
| up to 72 months | 7.44% | Model year 2018–2019. Cost / $1,000 is 17.26. Assumes pairing with active Direct Advantage Checking. |
| up to 78 months | 8.09% | Model year 2018–2019. Cost / $1,000 is 16.53. Assumes pairing with active Direct Advantage Checking. |
| up to 60 months | 6.39% | Cost / $1,000 is 19.51. Assumes pairing with active Direct Advantage Checking. |
| up to 66 months | 6.54% | Cost / $1,000 is 18.08. Assumes pairing with active Direct Advantage Checking. |
| up to 72 months | 6.84% | Cost / $1,000 is 16.97. Assumes pairing with active Direct Advantage Checking. |
| up to 60 months | 7.74% | Cost / $1,000 is 20.15. Assumes pairing with active Direct Advantage Checking. |
| up to 66 months | 7.84% | Cost / $1,000 is 18.70. Assumes pairing with active Direct Advantage Checking. |
Who can join Direct 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
- Membership is open to anyone who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties.
Family and household
- Membership is open to individuals who have an immediate family member fulfilling the geographic eligibility requirements.
Membership information collected October 5, 2026.