Credit union · NCUA insured
Lighthouse Credit Union Auto Loan Rates
Top CarrotLighthouse Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Lighthouse Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Lighthouse Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lighthouse Credit Union
5.74%APR
- Terms
- up to 63 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
Lighthouse Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
By vehicle
- 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 Lighthouse 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
All loans subject to credit and collateral approval. Membership required with at least $5 in a Lighthouse Savings account. Available for purchase (new or used) or refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.74% | Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| 64–75 months | 6.04% | Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| 76–84 months | 6.74% | Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| 85–96 months | 7.49% | Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| up to 63 months | 5.99% | Model Year: 2023-2019. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| 64–75 months | 6.49% | Model Year: 2023-2019. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| 76–84 months | 7.04% | Model Year: 2023-2019. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| up to 63 months | 7.14% | Model Year: 2018-2017. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
| up to 48 months | 10.14% | Model Year: 2016-2015. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. |
Sources (2)
All captured Oct 22, 2026
Motorcycle & Powersports Loans
All loans are subject to credit and collateral approval. Membership required with at least $5 in a Lighthouse Savings account. Available for purchase (new or used) or refinancing. Financing for motorcycles, ATVs, UTVs, snowmobiles, and personal watercraft.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 6.69% | Model Year: 2026-2021. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 37–48 months | 7.19% | Model Year: 2026-2021. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 49–65 months | 7.79% | Model Year: 2026-2021. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 66–72 months | 8.19% | Model Year: 2026-2021. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 12–36 months | 7.09% | Model Year: 2020-2018. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 37–48 months | 7.49% | Model Year: 2020-2018. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
| 49–63 months | 8.09% | Model Year: 2020-2018. Available to well-qualified borrowers. Advertised APR includes a total 0.30% loan discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing. Fixed rate. |
Sources (1)
- lighthousecu.org/loans/vehicle…rcycle-powersports-loans · captured Oct 22, 2026
Who can join Lighthouse Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available by accepting a complimentary lifetime membership to the Lighthouse Credit Union Foundation.
- Membership is available by accepting a complimentary one-year membership to the Maine Affordable Housing Coalition.
Employers and groups
- Individuals employed by a partner business or belonging to a partner association are eligible for membership.
Family and household
- Individuals who have an immediate family member belonging to Lighthouse Credit Union are eligible for membership.
Cost to join
- Membership requires opening and maintaining at least $5 in a Lighthouse Savings account.
Membership information collected October 4, 2026.