Credit union · NCUA insured
New Bedford Credit Union Auto Loan Rates
New Bedford Credit Union auto loans start at 4.99% APR for a new vehicle and 5.20% for a used one. Rates checked October 15, 2026.
How New Bedford Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where New Bedford Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
New Bedford Credit Union
4.99%APR
- Terms
- up to 60 months
New Auto – 2025 and newer models
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
New Bedford Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where New Bedford 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.
Classic Auto
Payment includes single life insurance and VSI insurance. 100% financing not to exceed NADA value or purchase price. Refinancing of existing New Bedford Credit Union loans is excluded. Maximum up to $65,000. Rate depends on credit history and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| 36–75 months | 7.00% | Estimated monthly payment of $32.09 per $1,000. Includes single life and VSI insurance. |
Sources (1)
- nbcu4u.com/loan-rates · captured Oct 7, 2026
New Auto – 2025 and newer models
Payment includes single life insurance and VSI insurance. 100% financing not to exceed NADA value or purchase price. Refinancing of existing NBCU loans excluded. Maximum up to $65,000. Rate depends on credit history and underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Estimated monthly payment of $31.15 per $1,000. Includes single life and VSI insurance. |
| up to 48 months | 4.99% | Estimated monthly payment of $24.02 per $1,000. Includes single life and VSI insurance. |
| up to 60 months | 4.99% | Estimated monthly payment of $19.75 per $1,000. Includes single life and VSI insurance. |
| up to 75 months | 5.75% | Estimated monthly payment of $16.71 per $1,000. Includes single life and VSI insurance. |
| up to 84 months | 6.00% | Estimated monthly payment of $15.39 per $1,000. Includes single life and VSI insurance. |
Sources (1)
- nbcu4u.com/loan-rates · captured Oct 7, 2026
Used Auto – 2018 – 2016 models
Payment includes single life insurance and VSI insurance. 100% financing not to exceed NADA value or purchase price. Refinancing of existing NBCU loans excluded. Maximum up to $65,000. Rate depends on credit history and underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.75% | Estimated monthly payment of $32.45 per $1,000. Includes single life and VSI insurance. |
| up to 48 months | 7.75% | Estimated monthly payment of $25.34 per $1,000. Includes single life and VSI insurance. |
| up to 60 months | 8.00% | Estimated monthly payment of $21.21 per $1,000. Includes single life and VSI insurance. |
Sources (1)
- nbcu4u.com/loan-rates · captured Oct 7, 2026
Used Auto – 2021 – 2019 models
Payment includes single life insurance and VSI insurance. 100% financing not to exceed NADA value or purchase price. Refinancing of existing NBCU loans excluded. Maximum up to $65,000. Rate depends on credit history and underwriting.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.20% | Estimated monthly payment of $31.25 per $1,000. Includes single life and VSI insurance. |
| up to 48 months | 5.20% | Estimated monthly payment of $24.11 per $1,000. Includes single life and VSI insurance. |
| up to 60 months | 5.20% | Estimated monthly payment of $19.85 per $1,000. Includes single life and VSI insurance. |
Sources (1)
- nbcu4u.com/loan-rates · captured Oct 7, 2026
Used Auto – 2024 – 2022 models
Payment includes single life insurance and VSI insurance. 100% financing not to exceed NADA value or purchase price. Refinancing of existing New Bedford Credit Union loans is excluded. Maximum up to $65,000. Subject to approval and other terms and conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.20% | Estimated monthly payment of $31.25 per $1,000. Includes single life and VSI insurance. |
| up to 48 months | 5.20% | Estimated monthly payment of $24.11 per $1,000. Includes single life and VSI insurance. |
| up to 60 months | 5.20% | Estimated monthly payment of $19.85 per $1,000. Includes single life and VSI insurance. |
| up to 75 months | 6.25% | Estimated monthly payment of $16.96 per $1,000. Includes single life and VSI insurance. |
| up to 84 months | 6.99% | Estimated monthly payment of $15.86 per $1,000. Includes single life and VSI insurance. |
Sources (1)
- nbcu4u.com/loan-rates · captured Oct 7, 2026
Who can join New Bedford 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 attend school in Bristol County; specified towns in Plymouth County and Barnstable County, Massachusetts; or Little Compton and Tiverton in Newport County, Rhode Island, are eligible for membership.
Military, government and schools
- Employees of the City of New Bedford, including pensioned employees of the Credit Union, are eligible for membership.
Family and household
- Family members of qualifying city/credit union employees and family members of qualifying geographic individuals are eligible for membership.
Membership information collected October 5, 2026.