Freedom Credit Union Auto Loan Rates

How Freedom Credit Union’s auto loan rates compare

Compared with banks and credit unions near Springfield, MA, where Freedom Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Freedom Credit Union
5.24%APR
Terms
up to 60 months
Discount
Included in the rate
Auto Loans
Lowest rate
MASSMUTUAL
4.49%APR
Terms
up to 60 months
Discount
None included
MASSMUTUAL rates
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
Terms
49–66 months
Discount
None included
BrightBridge Credit Union rates

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Auto loan score

Higher than 34% of U.S. banks and credit unions

By vehicle

New vehicleNew5.24%
Used vehicleUsed5.24%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Freedom 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.

Auto Loans

Financing available up to 100% of NADA retail value for new or used cars or trucks with zero vehicle age restrictions. Membership requires a $5 deposit into a Share Savings Account and eligibility (must live, work or attend school in Hampden, Hampshire, Franklin or Berkshire counties in MA, or Hartford or Tolland counties in CT, or have a family member with an active membership).

Terms	APR	Conditions
up to 12 months	4.04%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $85.17.
up to 24 months	4.24%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $43.54.
up to 36 months	4.59%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $29.79.
up to 48 months	4.99%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $23.03.
up to 60 months	5.24%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $18.99.
up to 72 months	5.74%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $16.46.
up to 84 months	6.24%	Rates quoted are based on 'A' credit grade and require automatic payments from a Freedom Credit Union checking account; rates are increased by 0.25% if automatic payment is not set up. Payment per $1,000 borrowed is $14.73.

Sources (4)

All captured Oct 5, 2026

Who can join Freedom 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 attends school in Hampden, Hampshire, Franklin, or Berkshire counties in Massachusetts, or Hartford or Tolland counties in Connecticut.

Family and household

Family members of an existing member are eligible to join regardless of where they live or work.

Cost to join

Membership requires a $5 deposit into a Share Savings Account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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