Credit union · NCUA insured
Energy Credit Union Auto Loan Rates
Top CarrotEnergy Credit Union auto loans start at 4.75% APR for a new vehicle and 5.13% for a used one. Rates checked October 15, 2026.
How Energy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Energy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Energy Credit Union
4.75%APR
- Terms
- up to 60 months
New Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA)
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
Energy Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.13%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Energy 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 Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA)
Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Additional 0.25% discount may be available for new electric/hybrid vehicles. Up to 100% of NADA or KBB Value, 0% Down Payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed. |
| up to 36 months | 3.50% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 36 months at 3.5%, pay $29.30 monthly per $1,000 borrowed. |
| up to 48 months | 4.50% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 48 months at 4.5%, pay $22.80 monthly per $1,000 borrowed. |
| up to 60 months | 4.75% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed. |
| up to 72 months | 4.99% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 72 months at 4.99%, pay $16.10 monthly per $1,000 borrowed. |
| up to 84 months | 5.13% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 84 months at 5.125%, pay $14.19 monthly per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Used Auto / Motorcycle (LTV 100% KBB / NADA)
Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Up to 100% LTV KBB / NADA.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.13% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 24 months at 4.125%, pay $43.48 monthly per $1,000 borrowed. |
| up to 36 months | 4.13% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 36 months at 4.125%, pay $29.58 monthly per $1,000 borrowed. |
| up to 48 months | 4.99% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 48 months at 4.99%, pay $23.02 monthly per $1,000 borrowed. |
| up to 60 months | 5.13% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 60 months at 5.125%, pay $18.93 monthly per $1,000 borrowed. |
| up to 72 months | 5.50% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 72 months at 5.50%, pay $16.34 monthly per $1,000 borrowed. |
| up to 84 months | 5.88% | Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 84 months at 5.875%, pay $14.55 monthly per $1,000 borrowed. |
Sources (2)
All captured Oct 7, 2026
Who can join Energy 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 individuals who live or work in certain communities within Norfolk, Suffolk, Middlesex, and Essex counties.
Employers and groups
- Membership is open to employees and retirees of National Grid New England.
Family and household
- Membership is open to family members of eligible individuals.
Cost to join
- A share savings account deposit of $10 or more is required to join.
Membership information collected October 5, 2026.