Credit union · NCUA insured
Liberty Bay Credit Union Auto Loan Rates
Top CarrotLiberty Bay Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Liberty Bay Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Liberty Bay Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Liberty Bay Credit Union
5.24%APR
- Terms
- 37–60 months
Auto 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
Liberty Bay Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Liberty Bay 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
Available for purchase and refinance on new and used vehicles up to six years old. Up to 100% financing with a maximum loan amount of $250,000.00. A 0.25% Auto Pay Discount is available when enrolled in automatic payments from a qualified Liberty Bay checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | APR as low as stated for purchase or refinance on new and used vehicles up to 6 years old. Maximum loan amount $250,000.00. A 0.25% Auto Pay Discount is available with automatic payments from a qualified Liberty Bay checking account (must be established within 60 days after Effective Date; interest rate increases by discount amount if discontinued or disqualified). |
| 37–60 months | 5.24% | APR as low as stated for purchase or refinance on new and used vehicles up to 6 years old. Maximum loan amount $250,000.00. A 0.25% Auto Pay Discount is available with automatic payments from a qualified Liberty Bay checking account (must be established within 60 days after Effective Date; interest rate increases by discount amount if discontinued or disqualified). |
| 61–84 months | 5.74% | APR as low as stated for purchase or refinance on new and used vehicles up to 6 years old. Maximum loan amount $250,000.00. A 0.25% Auto Pay Discount is available with automatic payments from a qualified Liberty Bay checking account (must be established within 60 days after Effective Date; interest rate increases by discount amount if discontinued or disqualified). |
Who can join Liberty Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or attend school in eligible towns in eastern and central Massachusetts within the service area.
Employers and groups
- Eligibility is open to employees or members of partner organizations.
Family and household
- Eligibility is open to immediate family or household members of existing Liberty Bay Credit Union members.
Cost to join
- Membership requires opening a savings account with a $5 deposit and maintaining a $5 balance.
Membership information collected October 5, 2026.