Credit union · NCUA insured
Greater Springfield Credit Union Auto Loan Rates
Greater Springfield Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Greater Springfield Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MA, where Greater Springfield Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Greater Springfield Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
- Discount
- None included
Greater Springfield Credit Union auto loan score
79
Auto loan score
Higher than 49% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Greater Springfield 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 and Used Auto Loans
Financing available up to 100% Loan to Value (cost of vehicle) with maximum loan amount up to $75,000.00 and terms up to 84 months. No prepayment penalties. 30-day preapprovals available. Rates shown are for A credit applicants financing less than 80% Loan-To-Value and include the maximum 0.35% relationship discount available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Fixed APR as low as 3.990% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $29.53. |
| up to 48 months | 4.99% | Fixed APR as low as 4.990% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $23.03. |
| up to 60 months | 4.99% | Fixed APR as low as 4.990% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $18.87. |
| up to 72 months | 5.24% | Fixed APR as low as 5.240% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $16.22. |
| up to 84 months | 5.24% | Fixed APR as low as 5.240% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $14.25. |
Sources (3)
All captured Oct 5, 2026
New and Used Motorcycles
Financing up to 70% of the unit price of NADA Average Retail Value with maximum loan amount up to $75,000.00 and loan terms up to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | New/Used 2025-2026 model years. Fixed APR as low as 6.000% with maximum term of 5 years (60 months) and maximum limit of $40,000. Monthly payment per $1,000 borrowed is $19.34. |
| up to 60 months | 6.75% | Used 2016-2025 model years. Fixed APR as low as 6.750% with maximum term of 5 years (60 months) and maximum limit of $25,000. Monthly payment per $1,000 borrowed is $19.69. |
Who can join Greater Springfield 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, worships, or attends school in Hampden or Hampshire County.
Cost to join
- An initial deposit of $25 is required to open an account and establish membership.
Membership information collected October 5, 2026.