Credit union · NCUA insured
HTM Credit Union Auto Loan Rates
Top CarrotHTM Credit Union auto loans start at 4.50% APR for a new vehicle and 5.99% for a used one. Rates checked October 15, 2026.
How HTM Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where HTM Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HTM Credit Union
4.50%APR
- Terms
- up to 84 months
New Auto Loans, RV's, Motorcycles 2024 - 2026
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
HTM Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HTM 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 Loans, RV's, Motorcycles 2024 - 2026
For model years 2024 - 2026. 100% financing available to qualified applicants. Subject to approval by credit committee and borrower's ability to pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Credit score 700 - up |
| up to 84 months | 5.99% | Credit score 699 - 650 |
| up to 84 months | 6.99% | Credit score 649 - 600 |
| up to 84 months | 7.99% | Credit score 599 or less |
Sources (2)
All captured Oct 7, 2026
Used Autos 2016 >
For model years 2016 and older. 100% financing available to qualified applicants. Subject to approval by credit committee and borrower's ability to pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.50% | Credit score 700 - up |
| up to 36 months | 8.50% | Credit score 699 - 650 |
| up to 36 months | 9.50% | Credit score 649 - 600 |
| up to 36 months | 10.50% | Credit score 599 or less |
Sources (2)
All captured Oct 7, 2026
Used Autos, RV's, Motorcycles 2017 - 2023
For model years 2017 - 2023. 100% financing available to qualified applicants. Subject to approval by credit committee and borrower's ability to pay.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Credit score 700 - up |
| up to 72 months | 6.99% | Credit score 699 - 650 |
| up to 72 months | 7.99% | Credit score 649 - 600 |
| up to 72 months | 8.99% | Credit score 599 or less |
Sources (2)
All captured Oct 7, 2026
Who can join HTM Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of HTM Credit Union are eligible for membership.
- Employees or former employees of any healthcare facility in the Greater Haverhill area are eligible for membership.
- Persons working in any building owned or at least 50% leased by healthcare facilities are eligible for membership.
- Members of any public library in the Greater Haverhill area are eligible for membership.
Military, government and schools
- Employees or former employees of the Central Northern Essex Division of the Trial Court of the Commonwealth are eligible for membership.
- Employees or former employees of any city or town in the Greater Haverhill area, including the school department, are eligible for membership.
1 more way to join
Family and household
- Immediate family members of an HTM Credit Union member are eligible for membership.
Cost to join
- Membership requires opening a share savings account with a deposit of $25 or more.
Membership information collected October 5, 2026.