Credit union · NCUA insured
Millbury Federal Credit Union Auto Loan Rates
Millbury Federal Credit Union auto loans start at 6.02% APR for a new vehicle and 6.02% for a used one. Rates checked October 15, 2026.
How Millbury Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where Millbury Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Millbury Federal Credit Union
6.02%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Car Loans - New And Used
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Millbury Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew6.02%
- Used vehicleUsed6.02%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Millbury 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.
Car Loan Refinance Special
Automatic loan payments withdrawn from an MCU Checking account are required. Refinance from another financial institution; new loans to MCU only. Limited time offer, rate and term are subject to change without notice. Rates are determined by your personal credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.88% | Car Model Years 2022 – 2027. Automatic loan payments withdrawn from an MCU Checking account are required. Refinance from another financial institution; new loans to MCU only. $29.91 Monthly Payment per $1,000. |
| up to 48 months | 4.88% | Car Model Years 2022 – 2027. Automatic loan payments withdrawn from an MCU Checking account are required. Refinance from another financial institution; new loans to MCU only. $22.97 Monthly Payment per $1,000. |
| up to 60 months | 4.88% | Car Model Years 2022 – 2027. Automatic loan payments withdrawn from an MCU Checking account are required. Refinance from another financial institution; new loans to MCU only. $18.81 Monthly Payment per $1,000. |
| up to 72 months | 5.24% | Car Model Years 2022 – 2027. Automatic loan payments withdrawn from an MCU Checking account are required. Refinance from another financial institution; new loans to MCU only. $16.22 Monthly Payment per $1,000. |
Sources (1)
- millburycu.com/rates/consumer-rates · captured Oct 15, 2026
Car Loans - New And Used
Rates are determined by your personal credit history. Rates are subject to change without notice. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.02% | Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $30.43 Monthly Payment per $1,000. |
| up to 48 months | 6.02% | Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $23.49 Monthly Payment per $1,000. |
| up to 60 months | 6.02% | Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.34 Monthly Payment per $1,000. |
| up to 72 months | 6.49% | Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $16.81 Monthly Payment per $1,000. |
| up to 84 months | 7.37% | Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $15.27 Monthly Payment per $1,000. |
| up to 36 months | 6.12% | Car Model Years 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $30.48 Monthly Payment per $1,000. |
| up to 48 months | 6.12% | Car Model Years 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $23.54 Monthly Payment per $1,000. |
| up to 60 months | 6.12% | Car Model Years 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.39 Monthly Payment per $1,000. |
| up to 72 months | 6.62% | Car Model Years 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $16.87 Monthly Payment per $1,000. |
| up to 36 months | 6.57% | Car Model Year 2021. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $30.68 Monthly Payment per $1,000. |
| up to 48 months | 6.57% | Car Model Year 2021. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $23.75 Monthly Payment per $1,000. |
| up to 60 months | 6.57% | Car Model Year 2021. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.60 Monthly Payment per $1,000. |
| up to 72 months | 7.07% | Car Model Year 2021. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $17.08 Monthly Payment per $1,000. |
| up to 36 months | 6.62% | Car Model Year 2020. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $30.70 Monthly Payment per $1,000. |
| up to 48 months | 6.62% | Car Model Year 2020. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $23.77 Monthly Payment per $1,000. |
| up to 60 months | 6.62% | Car Model Year 2020. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.62 Monthly Payment per $1,000. |
| up to 36 months | 6.87% | Car Model Year 2019. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $30.82 Monthly Payment per $1,000. |
| up to 48 months | 6.87% | Car Model Year 2019. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $23.89 Monthly Payment per $1,000. |
| up to 36 months | 8.07% | Car Model Year 2018. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $31.37 Monthly Payment per $1,000. |
| up to 48 months | 8.07% | Car Model Year 2018. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $24.45 Monthly Payment per $1,000. |
| up to 36 months | 8.12% | Car Model Year 2017. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $31.39 Monthly Payment per $1,000. |
Sources (1)
- millburycu.com/rates/consumer-rates · captured Oct 15, 2026
Motorcycle Loans Model year 2023-2027
Rates are determined by your personal credit history. Rates are subject to change without notice . Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.53% | Model year 2023-2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $31.58 Monthly Payment per $1,000. |
| up to 48 months | 8.53% | Model year 2023-2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $24.66 Monthly Payment per $1,000. |
| up to 60 months | 8.53% | Model year 2023-2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $20.53 Monthly Payment per $1,000. |
Sources (1)
- millburycu.com/rates/consumer-rates · captured Oct 15, 2026
Motorcycle Loans Used - Model years 2020 - 2022
Rates are determined by your personal credit history. Rates are subject to change without notice. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.53% | Used - Model years 2020 - 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $32.52 Monthly Payment per $1,000. |
| up to 48 months | 10.53% | Used - Model years 2020 - 2022. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $25.62 Monthly Payment per $1,000. |
Sources (1)
- millburycu.com/rates/consumer-rates · captured Oct 15, 2026
Who can join Millbury 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
- Individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Family and household
- Immediate family members of individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Cost to join
- Membership requires opening an account with an initial deposit of $5 or more.
Membership information collected October 5, 2026.