Credit union · NCUA insured
Members Plus Credit Union Auto Loan Rates
Top CarrotMembers Plus Credit Union auto loans start at 6.50% APR for a new vehicle and 6.50% for a used one. Rates checked October 15, 2026.
How Members Plus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Members Plus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Plus Credit Union
6.50%APR
- Terms
- up to 60 months
New Cars
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
Members Plus Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Plus 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.
Motorcycle
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $30.87. |
| up to 48 months | 7.24% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $24.06. |
| up to 60 months | 7.74% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $20.15. |
| up to 72 months | 7.99% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $17.53. |
Sources (1)
- memberspluscu.org/rates · captured Oct 5, 2026
New Auto Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | — |
Sources (1)
- memberspluscu.org · captured Oct 5, 2026
New Cars
New Autos 2025 and 2024 with less than 7500 miles. Current or previous model year driven less than 7,500 miles qualifies for a new loan. Financing up to 100% of J.D. Power retail value. VSI Insurance is required on all Auto Loans. Minimum Payment Requirements on all auto loans: $25.00 weekly, $50.00 biweekly and $100.00 monthly.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $23.80. |
| up to 60 months | 6.50% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $19.57. |
| up to 72 months | 7.00% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $17.05. |
| up to 84 months | 7.50% | A 7 year term may be granted for new or used auto loans in excess of $30,000.00. Rate reflects excellent/strong credit worthiness. Cost per thousand: $15.34. |
Sources (2)
All captured Oct 5, 2026
Used Cars
Vehicle qualifies if model year listed in current edition of NADA Used Auto Valuation Guide (pre-owned autos 2011-2024 with greater than 7,500 miles). Financing up to 100% of J.D. Power retail value. VSI Insurance is required on all Auto Loans. Minimum payment requirements on all auto loans: $25.00 weekly, $50.00 biweekly, $100.00 monthly.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $23.80. |
| up to 60 months | 6.50% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $19.57. |
| up to 72 months | 7.00% | Rate reflects excellent/strong credit worthiness. Cost per thousand: $17.05. |
| up to 84 months | 7.50% | A 7 year term may be granted for new or used auto loans in excess of $30,000.00. Rate reflects excellent/strong credit worthiness. Cost per thousand: $15.34. |
Sources (2)
All captured Oct 5, 2026
Who can join Members Plus 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, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible for membership.
Employers and groups
- Employees, retirees, and family members of the Eversource Companies, Exelon, and Entergy are eligible for membership.
Family and household
- Relatives and domestic partners of existing members—including spouses, children, siblings, parents, grandparents, and in-laws—are eligible for membership.
Other ways
- Individuals who belong to a religious or social organization located in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $5 deposit.
Membership information collected October 5, 2026.