Credit union · NCUA insured
Lowell Municipal Employees Federal Credit Union Auto Loan Rates
Lowell Municipal Employees Federal Credit Union auto loans start at 5.50% APR for a new vehicle and 6.10% for a used one. Rates checked October 15, 2026.
How Lowell Municipal Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Lowell Municipal Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lowell Municipal Employees Federal Credit Union
5.50%APR
- Terms
- up to 84 months
- Up to
- 6.50% APR
New Vehicles
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Up to
- —
Lowell Municipal Employees Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed6.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lowell Municipal Employees Federal 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 Vehicles
Model years 2024–2025. Individuals with credit scores of 350–499 are not eligible for consideration.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50%–6.50% | Tier 1 (700-850 credit score, max debt ratio 42%): 5.50% APR. Tier 2 (600-699 credit score, max debt ratio 38%): 6.25% APR. Tier 3 (500-599 credit score, max debt ratio 32%): 6.50% APR (requires a co-borrower with at least a 650 credit score and credit committee approval). Model years 2024–2025. |
Used Vehicles
Model years 2010–2023. Individuals with credit scores of 350–499 are not eligible for consideration.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.10%–7.10% | Tier 1 (700-850 credit score, max debt ratio 42%): 6.10% APR. Tier 2 (600-699 credit score, max debt ratio 38%): 6.85% APR. Tier 3 (500-599 credit score, max debt ratio 32%): 7.10% APR (requires a co-borrower with at least a 650 credit score and credit committee approval). Model years 2010–2023. |
Who can join Lowell Municipal Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.