Credit union · NCUA insured
IC Credit Union Auto Loan Rates
IC Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How IC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where IC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IC Credit Union
5.74%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
IC Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IC 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
Subject to credit underwriting and approval. Other model years and rates available based on credit score. Rates shown include .25% discount with Auto Pay from an IC Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.74% | Model Years 2026-2022; payment per $1,000 is $18.43; includes .25% discount with Auto Pay from an IC Account |
| up to 66 months | 5.74% | Model Years 2026-2022; payment per $1,000 is $17.71; includes .25% discount with Auto Pay from an IC Account |
| up to 75 months | 5.99% | Model Years 2026-2022; payment per $1,000 is $16.02; includes .25% discount with Auto Pay from an IC Account |
| up to 84 months | 5.99% | Model Years 2026-2022; payment per $1,000 is $14.61; includes .25% discount with Auto Pay from an IC Account |
Sources (3)
All captured Oct 5, 2026
Motorcycle Loans
Rates shown are lowest possible and are subject to credit and income verification. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Payment per $1,000 is $19.80; rates shown are lowest possible and subject to credit and income verification |
| up to 48 months | 7.49% | Payment per $1,000 is $24.18; rates shown are lowest possible and subject to credit and income verification |
Used Auto Loans
Subject to credit underwriting and approval. Other model years and rates available based on credit score. Rates shown include .25% discount with Auto Pay from an IC Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | Model Year 2019; payment per $1,000 is $19.80; includes .25% discount with Auto Pay from an IC Account |
| up to 63 months | 5.74% | Model Years 2020-2025; payment per $1,000 is $18.43; includes .25% discount with Auto Pay from an IC Account |
Who can join IC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who participate in local associations in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Entities or individuals who maintain a local facility in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Local incorporated or unincorporated organizations located in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who participate in programs to alleviate local poverty or distress in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
3 more ways to join
Family and household
- Immediate family members of Credit Union employees are eligible for membership.
- Spouses of deceased Credit Union Members are eligible for membership.
Other ways
- Organizations of Credit Union Members are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required to join.
Membership information collected October 5, 2026.