Credit union · NCUA insured
Health Alliance FCU Auto Loan Rates
Health Alliance FCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Health Alliance FCU’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Health Alliance FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Health Alliance FCU
4.99%APR
- Terms
- 36–60 months
New Car Loans
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
Health Alliance FCU auto loan score
83
Auto loan score
Higher than 62% 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 Health Alliance FCU 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 Car Loans
Up to 105% financing of purchase price of new and used vehicles. Auto must be no older than 7 years. Maximum car loan amount is $70,000.00. Guaranteed Asset Protection (GAP) Insurance is available. APR is determined by personal credit history; rates quoted are for members with the best credit score.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.99% | — |
| up to 72 months | 5.49% | — |
Sources (1)
- myhacu.org/rates · captured Oct 7, 2026
Used Car Loans (2018, 2019)
Up to 105% financing of purchase price of new and used vehicles. Auto must be no older than 7 years. Maximum car loan amount is $70,000.00. Guaranteed Asset Protection (GAP) Insurance is available. APR is determined by personal credit history; rates quoted are for members with the best credit score.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 6.50% | — |
Sources (1)
- myhacu.org/rates · captured Oct 7, 2026
Used Car Loans (2020, 2021, 2022)
Up to 105% financing of purchase price of new and used vehicles. Auto must be no older than 7 years. Maximum car loan amount is $70,000.00. Guaranteed Asset Protection (GAP) Insurance is available. APR is determined by personal credit history; rates quoted are for members with the best credit score.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 5.99% | — |
Sources (1)
- myhacu.org/rates · captured Oct 7, 2026
Used Car Loans (2023, 2024)
Up to 105% financing of purchase price of new and used vehicles. Auto must be no older than 7 years. Maximum car loan amount is $70,000.00. Guaranteed Asset Protection (GAP) Insurance is available. APR is determined by personal credit history; rates quoted are for members with the best credit score.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.99% | — |
| up to 72 months | 5.99% | — |
Sources (1)
- myhacu.org/rates · captured Oct 7, 2026
Who can join Health Alliance FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Cambridge Health Alliance are eligible for membership.
- Retirees of Cambridge Health Alliance are eligible for membership.
Family and household
- Household and family members of eligible Cambridge Health Alliance employees or retirees are eligible for membership.
Other ways
- Organizations of eligible Cambridge Health Alliance persons are eligible for membership.
Cost to join
- An initial deposit of at least $5.00 is required upon application.
Membership information collected October 5, 2026.