Credit union · NCUA insured
NESC Federal Credit Union Auto Loan Rates
Top CarrotNESC Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How NESC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where NESC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NESC Federal Credit Union
4.99%APR
- Terms
- up to 84 months
Auto Loan
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
NESC Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NESC 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 Loan
Applicants must qualify for membership with NESC Credit Union. Rates are based on creditworthiness and credit scoring. All vehicle loans include an additional Vehicle Service Insurance (VSI) charge and required Property Insurance. Borrow up to 115% of vehicle value. Rates not available on existing NESC Credit Union Auto Loans. Optional Life & Disability Loan Protection Insurance and Skip-A-Pay available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model years 2018-2026. Maximum term 60 months. Estimated payment is $18.87 per $1,000 borrowed. Rates are based on creditworthiness and credit scoring. |
| up to 72 months | 5.49% | Model years 2018-2026. Maximum term 72 months. Estimated payment is $16.34 per $1,000 borrowed. Rates are based on creditworthiness and credit scoring. |
| up to 84 months | 5.99% | Model years 2018-2026. Maximum term 84 months. Estimated payment is $14.61 per $1,000 borrowed. Rates are based on creditworthiness and credit scoring. |
| up to 48 months | 6.99% | Model years 2015-2017. Maximum term 48 months. Estimated payment is $23.95 per $1,000 borrowed. Rates are based on creditworthiness and credit scoring. |
| up to 84 months | 4.99% | Refinance Special 2018-2026. Maximum term 84 months. Estimated payment is $14.14 per $1,000 borrowed. Rates not available on existing NESC Credit Union Auto Loans. Rates are based on creditworthiness and credit scoring. |
Sources (3)
All captured Oct 5, 2026
Who can join NESC 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
- You are eligible to join if you live, work, worship, or attend school in Essex or Middlesex County, MA, or Rockingham or Hillsborough County, NH.
Family and household
- You are eligible to join if you are an immediate family member of a current member.
Membership information collected October 5, 2026.