Credit union · NCUA insured
Harvard Federal Credit Union Auto Loan Rates
Harvard Federal Credit Union auto loans start at 5.95% APR for a new vehicle and 5.95% for a used one. Rates checked October 15, 2026.
How Harvard Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Harvard Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Harvard Federal Credit Union
5.95%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
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
Harvard Federal Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.95%
- Used vehicleUsed5.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harvard 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.
Auto Loans
Rates include 0.25% Reduced Relationship Rate discount for automatic payments from a Harvard FCU Crimson or Smart Rewards Checking account. Subject to credit approval and membership with Harvard FCU. Up to 115% financing available subject to credit review. No application fees or prepayment penalties. Maximum loan amount is $100,000 for new vehicles and $75,000 for used vehicles. Used vehicle rates subject to age and mileage restrictions. Harvard FCU does not refinance its own auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.95% | Rate advertised is the lowest available and includes a 0.25% discount for automatic payment from a Harvard FCU Crimson or Smart Rewards Checking account. Maximum loan amount is $100,000 for new vehicles and $75,000 for used vehicles. |
| up to 72 months | 6.45% | Rate advertised is the lowest available and includes a 0.25% discount for automatic payment from a Harvard FCU Crimson or Smart Rewards Checking account. Maximum loan amount is $100,000 for new vehicles and $75,000 for used vehicles. |
Who can join Harvard Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.