Credit union · NCUA insured
Luso Federal Credit Union Auto Loan Rates
Luso Federal Credit Union auto loans start at 6.45% APR for a new vehicle and 6.51% for a used one. Rates checked October 15, 2026.
How Luso Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MA, where Luso Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Luso Federal Credit Union
6.45%APR
- Terms
- up to 84 months
New Auto/Truck Loan: 2025 or Newer
Lowest rate
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
Luso Federal Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.45%
- Used vehicleUsed6.51%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Luso 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 Auto/Truck Loan: 2025 or Newer
$1,000 minimum loan. Up to 100% MSRP financing. No processing fee. Requires $75 VSI insurance fee on vehicle loans. Rate is as of 10/15/2026 based on a $5,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.79% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $86.06. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 24 months | 7.46% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $44.32. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 36 months | 6.99% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $30.42. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 48 months | 6.76% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $23.48. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 60 months | 6.61% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $19.33. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 72 months | 6.51% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $16.57. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 84 months | 6.45% | Up to 100% MSRP financing. Payment per $1,000 borrowed: $14.60. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
Sources (1)
- lusofederal.com/lending/auto-loans · captured Oct 15, 2026
Used Auto/Truck Loan: 2021 – 2022
$1,000 minimum loan. Up to 100% NADA financing. No processing fee. Requires $75 VSI insurance fee on vehicle loans. Rate is as of 10/15/2026 based on a $5,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.79% | 100% NADA Retail financing. Payment per $1,000 borrowed: $86.06. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 24 months | 7.46% | 100% NADA Retail financing. Payment per $1,000 borrowed: $44.32. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 36 months | 6.99% | 100% NADA Retail financing. Payment per $1,000 borrowed: $30.42. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 48 months | 6.76% | 100% NADA Retail financing. Payment per $1,000 borrowed: $23.48. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 60 months | 6.61% | 100% NADA Retail financing. Payment per $1,000 borrowed: $19.33. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
Sources (1)
- lusofederal.com/lending/auto-loans · captured Oct 15, 2026
Used Auto/Truck Loan: 2023 – 2024
$1,000 minimum loan. Up to 100% NADA financing. No processing fee. Requires $75 VSI insurance fee on vehicle loans. Rate is as of 10/15/2026 based on a $5,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.79% | 100% NADA Retail financing. Payment per $1,000 borrowed: $86.06. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 24 months | 7.46% | 100% NADA Retail financing. Payment per $1,000 borrowed: $44.32. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 36 months | 6.99% | 100% NADA Retail financing. Payment per $1,000 borrowed: $30.42. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 48 months | 6.76% | 100% NADA Retail financing. Payment per $1,000 borrowed: $23.48. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 60 months | 6.61% | 100% NADA Retail financing. Payment per $1,000 borrowed: $19.33. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 72 months | 6.51% | 100% NADA Retail financing. Payment per $1,000 borrowed: $16.57. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
Sources (1)
- lusofederal.com/lending/auto-loans · captured Oct 15, 2026
Used Auto/Truck Loans: 2016 – 2020
$1,000 minimum loan. Up to 95% NADA financing. No processing fee. Requires $75 VSI insurance fee on vehicle loans. Rate is as of 10/15/2026 based on a $5,000 loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.79% | 95% NADA Retail financing. Payment per $1,000 borrowed: $86.06. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 24 months | 7.46% | 95% NADA Retail financing. Payment per $1,000 borrowed: $44.32. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 36 months | 6.99% | 95% NADA Retail financing. Payment per $1,000 borrowed: $30.42. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
| up to 48 months | 6.76% | 90% NADA Retail financing. Payment per $1,000 borrowed: $23.48. Requires $75 VSI insurance fee. APR based on $5,000 loan amount. |
Sources (1)
- lusofederal.com/lending/auto-loans · captured Oct 15, 2026
Who can join Luso Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Hampden County, Massachusetts.
Family and household
- Membership is open to relatives of current LUSO members.
Membership information collected October 5, 2026.