Credit union · NCUA insured
Mass Bay Credit Union Auto Loan Rates
Mass Bay Credit Union auto loan rates start at 4.49% APR. Rates checked October 17, 2026.
How Mass Bay Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Mass Bay Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mass Bay Credit Union
– –
- Terms
- —
No ongoing APR published
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
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 & Auto Refinancing
Available to eligible Mass Bay Credit Union members (live, work, attend school, or belong to a labor organization in eligible MA communities; employees/former employees of MBTA, MassDOT-affiliated entities, MA State Police, Keolis; or immediate family members; US citizens/permanent resident aliens). Up to 105% financing based on JD Power retail value. Payments may be deferred up to 60 days with interest accruing from funding date. Rates include 0.25% autopay discount. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | New cars with under 25,000 miles. Includes 0.25% automatic payment discount (4.74% APR without autopay). Payment is $22.80 per $1,000 borrowed ($22.91 without autopay). |
| up to 48 months | 4.99% | Used cars with over 25,000 miles. Includes 0.25% automatic payment discount (5.24% APR without autopay). Payment is $23.02 per $1,000 borrowed ($23.14 without autopay). |
| up to 48 months | 9.49% | Used car models 2019 or older. Includes 0.25% automatic payment discount (9.74% APR without autopay). Payment is $25.12 per $1,000 borrowed ($25.24 without autopay). |
| up to 60 months | 4.49% | New cars with under 25,000 miles. Includes 0.25% automatic payment discount. Payment is $18.64 per $1,000 borrowed. |
| up to 60 months | 4.99% | Used cars with over 25,000 miles. Includes 0.25% automatic payment discount. Payment is $18.87 per $1,000 borrowed. |
| up to 60 months | 9.99% | Used car models 2019 or older. Includes 0.25% automatic payment discount. Payment is $21.24 per $1,000 borrowed. |
| up to 72 months | 4.74% | New cars with under 25,000 miles. Includes 0.25% automatic payment discount. Payment is $15.98 per $1,000 borrowed. Maximum term for new auto is 72 months. |
| up to 72 months | 5.24% | Used cars with over 25,000 miles. Includes 0.25% automatic payment discount. Payment is $16.22 per $1,000 borrowed. |
Sources (3)
- massbaycu.org/index.php/resources/rates
- massbaycu.org/index.php/products/auto-refi
- massbaycu.org/resources/rates
All captured Oct 17, 2026
Who can join Mass Bay 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 anyone who lives, works, attends a school, college, or university, or belongs to a labor organization located within Norfolk County, Suffolk County, Middlesex County, Abington, Brockton, Hanover, Hingham, Lynn, Marshfield, Norwell, Peabody, Rockland, Saugus, Scituate, or Whitman.
Employers and groups
- Membership is open to employees or former employees of Keolis.
- Membership is open to employees or former employees of entities affiliated with MassDOT.
- Membership is open to employees of entities who are members of labor unions affiliated with MassDOT.
- Membership is open to employees or former employees of MBTA.
Military, government and schools
- Membership is open to employees or former employees of the Massachusetts State Police.
1 more way to join
Family and household
- Membership is open to immediate family members of eligible members.
Membership information collected October 5, 2026.