Credit union · NCUA insured
Lowell Firefighters FCU Auto Loan Rates
Lowell Firefighters FCU auto loans start at 5.50% APR for a new vehicle and 7.49% for a used one. Rates checked October 15, 2026.
How Lowell Firefighters FCU’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Lowell Firefighters FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lowell Firefighters FCU
5.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Auto WITH Direct Deposit
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
Lowell Firefighters FCU auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed7.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lowell Firefighters 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 & Used Auto WITH Direct Deposit
With direct deposit. Credit and promotional rates applied. Posted APRs include the maximum available rate discount (.50% APR) for qualifying direct deposit relationships. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | With direct deposit. Payment per thousand is $30.08. Rate includes maximum available direct deposit discount. |
| up to 48 months | 5.35% | With direct deposit. Payment per thousand is $23.21. Rate includes maximum available direct deposit discount. |
| up to 60 months | 5.50% | With direct deposit. Payment per thousand is $19.10. Rate includes maximum available direct deposit discount. |
| up to 72 months | 5.85% | With direct deposit. Payment per thousand is $16.50. Rate includes maximum available direct deposit discount. |
| up to 84 months | 6.25% | With direct deposit. Payment per thousand is $14.73. Rate includes maximum available direct deposit discount. |
Sources (1)
- lffcu.com/loan-rates · captured Oct 15, 2026
New & Used Auto WITHOUT Direct Deposit
Without direct deposit. Credit and promotional rates applied. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.75% | Without direct deposit. Payment per thousand is $30.33. |
| up to 48 months | 5.85% | Without direct deposit. Payment per thousand is $23.42. |
| up to 60 months | 6.00% | Without direct deposit. Payment per thousand is $19.33. |
| up to 72 months | 6.35% | Without direct deposit. Payment per thousand is $16.73. |
| up to 84 months | 6.75% | Without direct deposit. Payment per thousand is $14.97. |
Sources (1)
- lffcu.com/loan-rates · captured Oct 15, 2026
New & Used Motorcycle Loans (Max. of $85,000)
Credit and promotional rates applied. Maximum loan amount of $85,000. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Payment per thousand is $30.42. Maximum loan amount of $85,000. |
| up to 48 months | 6.25% | Payment per thousand is $23.36. Maximum loan amount of $85,000. |
| up to 60 months | 6.49% | Payment per thousand is $19.56. Maximum loan amount of $85,000. |
| up to 72 months | 7.49% | Payment per thousand is $17.29. Maximum loan amount of $85,000. |
| up to 84 months | 7.74% | Payment per thousand is $15.46. Maximum loan amount of $85,000. |
Sources (1)
- lffcu.com/loan-rates · captured Oct 15, 2026
Older Vehicles >10Years
Applies to vehicles older than 10 years. Credit and promotional rates applied. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Payment per thousand is $30.87. |
| up to 48 months | 7.25% | Payment per thousand is $24.06. |
| up to 60 months | 7.49% | Payment per thousand is $20.03. |
| up to 72 months | 8.49% | Payment per thousand is $17.77. |
| up to 84 months | 8.74% | Payment per thousand is $15.96. |
Sources (1)
- lffcu.com/loan-rates · captured Oct 15, 2026
Who can join Lowell Firefighters FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.