Credit union · NCUA insured
Metro Credit Union Auto Loan Rates
Metro Credit Union auto loans start at 6.24% APR for a new vehicle and 6.74% for a used one. Rates checked October 15, 2026.
How Metro Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Metro Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metro Credit Union
6.24%APR
- Terms
- up to 66 months
New/Used 2022-2026
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
Metro Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metro 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 Motorcycles 2022-2026
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. New vehicles have 5,000 miles or less. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.99% | Estimated cost per $1,000 is $20.28. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
New/Used 2022-2026
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. New vehicles have 5,000 miles or less. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.24% | Estimated cost per $1,000 is $17.94. |
| 67–75 months | 6.49% | Estimated cost per $1,000 is $16.26. Minimum loan amount $20,000 for terms over 72 months. |
| 76–84 months | 7.74% | Eligible borrowers only. Estimated cost per $1,000 is $15.46. Minimum loan amount $20,000 for terms over 72 months. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
Used 2017-2018
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 7.99% | Estimated cost per $1,000 is $18.77. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
Used 2019-2021
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.74% | Estimated cost per $1,000 is $18.18. |
| 67–75 months | 7.24% | Estimated cost per $1,000 is $16.62. Minimum loan amount $20,000 for terms over 72 months. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
Used Motorcycles 2017-2018
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 8.50% | Estimated cost per $1,000 is $22.36. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
Used Motorcycles 2019-2021
Rate determination based on credit history; rate assigned may vary. Rates not available for existing Metro loans. Maximum mileage 100,000 miles. Membership required with $5.00 minimum in Membership Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.25% | Estimated cost per $1,000 is $20.41. |
Sources (1)
- metrocu.org/vehicle-loan-rates · captured Oct 5, 2026
Who can join Metro 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, go to school, or have a place of business in Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, or Hampden County, Massachusetts.
- Membership is open to individuals who live, work, go to school, or have a place of business in Hillsborough, Rockingham, Cheshire, Merrimack, or Strafford County, New Hampshire.
Employers and groups
- Membership is open to employees of the 1,800 participating workplaces in Massachusetts that offer Metro@work.
Family and household
- Membership is open to family members (including spouses, domestic partners, children, grandchildren, step-children, siblings, step-brothers/sisters, brothers/sisters-in-law, parents, grandparents, step-parents, mother/fathers-in-law, aunts, uncles, nieces, nephews, and cousins) of current Metro members regardless of where they live.
Cost to join
- Joining requires opening a Metro Membership Savings Account with an initial deposit of $5.00.
Membership information collected October 5, 2026.