Credit union · NCUA insured
Methuen Federal Credit Union Auto Loan Rates
Top CarrotMethuen Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 15, 2026.
How Methuen Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Methuen Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Methuen Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
Methuen Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Methuen 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.
Auto Equity Loan
Use equity in automobile to consolidate debt, use cash for purchases, vacations or other purpose, re-write an existing loan, or transfer a loan from another financial institution. 72 month auto loan rate will prevail. Auto loan terms and conditions apply. Must be a member of Methuen Federal Credit Union to apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25% | The 72 month auto loan rate will prevail. Featured rate includes 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
New Auto Loan
Car Model Year 2024 and Newer. Must be a member of Methuen Federal Credit Union to apply. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Car Model Year 2024 and Newer. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 48 months | 4.50% | Car Model Year 2024 and Newer. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 60 months | 4.50% | Car Model Year 2024 and Newer. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 72 months | 5.25% | Car Model Year 2024 and Newer. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 84 months | 6.25% | Car Model Year 2024 and Newer. Minimum $35K borrowed with at least 10% down payment. New Vehicles Only! Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
Sources (2)
All captured Oct 5, 2026
Used Auto Loan
Car Model Year 2023 and Older. Must be a member of Methuen Federal Credit Union to apply. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Car Model Year 2023 and Older. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 48 months | 4.50% | Car Model Year 2023 and Older. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 60 months | 4.50% | Car Model Year 2023 and Older. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
| up to 72 months | 5.25% | Car Model Year 2023 and Older. Featured rate includes following discounts: 0.25% off for Direct Deposit and 0.25% off for auto pay from your MFCU checking account. |
Sources (2)
All captured Oct 5, 2026
Who can join Methuen 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
- Persons who live, work (or regularly conduct business in), worship or attend school in the City of Methuen, Massachusetts are eligible for membership.
Employers and groups
- Employees of Methuen Federal Credit Union are eligible.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, step-children, step-parent, step-siblings, adopted children) and household members of eligible persons, as well as organizations of such persons, are eligible.
Other ways
- Members of record as of the effective date 3/1/2018 of conversion to community charter are eligible.
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.