Credit union · NCUA insured
MASSMUTUAL Auto Loan Rates
Top CarrotMASSMUTUAL auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked September 18, 2026.
How MASSMUTUAL’s auto loan rates compare
Compared with banks and credit unions near Tampa, FL, where MASSMUTUAL has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
New Auto Loan Rates (2025-2026)
Lowest rate
Florida West Coast CU
3.99%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
MASSMUTUAL auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MASSMUTUAL 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 Refinance
Refinancing for auto loans from outside financial institutions only; current MMFCU loans are not eligible. Floor rate for refinancing is 4.49% APR. Requires MMFCU membership, full coverage insurance with deductible no more than $500 on comp/collision, and title listing MMFCU as lienholder. Rates include a 0.25% discount for automatic payment from MMFCU account (APR increases by 0.25% without automatic payment).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Payment per $1,000 borrowed is $22.80. Includes a 0.25% discount for automatic payment from MMFCU account. |
| up to 60 months | 4.74% | Payment per $1,000 borrowed is $18.75. Includes a 0.25% discount for automatic payment from MMFCU account. |
| up to 72 months | 5.49% | Payment per $1,000 borrowed is $16.33. Includes a 0.25% discount for automatic payment from MMFCU account. |
| up to 84 months | 6.49% | Payment per $1,000 borrowed is $14.84. Includes a 0.25% discount for automatic payment from MMFCU account. |
Sources (1)
- massmutualfcuhb.org/borrow/auto-refinance · captured Sep 18, 2026
New Auto Loan Rates (2025-2026)
Financing for model years 2025-2026. Rate displayed is the best rate and assumes automatic payment from MMFCU account; if not paying automatically, add 0.25% to the displayed rate. Financing up to 115% of vehicle cost available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Payment per $1,000 borrowed is $22.80. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 60 months | 4.49% | Payment per $1,000 borrowed is $18.64. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 72 months | 4.49% | Payment per $1,000 borrowed is $15.87. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 84 months | 6.24% | Payment per $1,000 borrowed is $14.72. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
Sources (1)
- massmutualfcuhb.org/rates · captured Sep 18, 2026
September Auto Loan Special
Promotional rate available September 1, 2026 to September 30, 2026. For qualifying 2021 or newer new and used vehicles (auto-only; motorcycles/RVs excluded). Terms up to 72 months. Application must be received during the promotional period; funds must be distributed/funded within 30 days after the promotional period. No application fee. Special promotional rates cannot be combined with automatic payment discount or other discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.49% | Fixed-rate promotional offer available September 1, 2026 to September 30, 2026 for model year 2021 or newer vehicles. Terms up to 72 months, subject to credit approval. Funds must be distributed within 30 days. |
Sources (3)
- massmutualfcuhb.org
- massmutualfcuhb.org/september-auto-loan
- massmutualfcuhb.org/borrow/auto-loans-refinancing
All captured Sep 18, 2026
Used Auto Loan Rates (2016-2020)
Financing for model years 2016-2020. Rate displayed is the best rate and assumes automatic payment from MMFCU account; if not paying automatically, add 0.25% to the displayed rate. Financing up to 115% of vehicle cost available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Payment per $1,000 borrowed is $23.25. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 60 months | 5.74% | Payment per $1,000 borrowed is $19.21. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 72 months | 6.49% | Payment per $1,000 borrowed is $16.81. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 84 months | 7.49% | Payment per $1,000 borrowed is $15.33. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
Sources (1)
- massmutualfcuhb.org/rates · captured Sep 18, 2026
Used Auto Loan Rates (2021-2025)
Financing for model years 2021-2025. Rate displayed is the best rate and assumes automatic payment from MMFCU account; if not paying automatically, add 0.25% to the displayed rate. Financing up to 115% of vehicle cost available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Payment per $1,000 borrowed is $22.80. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 60 months | 4.49% | Payment per $1,000 borrowed is $18.64. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 72 months | 4.49% | Payment per $1,000 borrowed is $15.87. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
| up to 84 months | 6.49% | Payment per $1,000 borrowed is $14.84. Assumes automatic payment from MMFCU account (add 0.25% if paying manually). |
Sources (1)
- massmutualfcuhb.org/rates · captured Sep 18, 2026
Who can join MASSMUTUAL
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