Credit union · NCUA insured
Luso American Credit Union Auto Loan Rates
Luso American Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Luso American Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Luso American Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Luso American Credit Union
3.99%APR
- Terms
- —
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
Luso American Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Luso American 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
Finance New, Used, or Refinanced Auto Loans. Interest rate will be based on the applicants' credit score.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Interest rate for all auto loans will be based on the applicants' credit score and can be as low as 3.99% APR*. |
Sources (1)
- luso-american.com/lending-center/loan-rates · captured Oct 7, 2026
Motorcycle & ATV's Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49% | Recreational vehicle loan for Motorcycle & ATV's. APR as low as 5.49%. |
Sources (1)
- luso-american.com/lending-center/loan-rates · captured Oct 7, 2026
Who can join Luso American 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This may be incomplete or out of date, so check with the credit union before you apply.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 live or work in Essex County are eligible for membership.
Cost to join
- Opening a savings account with $25 is required to establish membership.
Membership information collected October 5, 2026.