Credit union · NCUA insured
Polish National Credit Union Auto Loan Rates
Polish National Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Polish National Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MA, where Polish National Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Polish National Credit Union
5.25%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Automobile Loans, 2025-2026 Model Years (Never Registered)
Lowest rate
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
- Discount
- None included
Polish National Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Polish National 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 Automobile Loans, 2025-2026 Model Years (Never Registered)
Rates shown are based on credit Tier 1 and include a 0.25% discount with automatic payments from a PNCU Perks checking account. Rate is higher without automatic payments. Up to 125% financing available for new automobiles (never registered/titled) based on credit score. Optional 90-day payment deferral available if requested prior to closing (interest accrues). Membership required (open to individuals who live, work, or attend school in Hampden, Hampshire, Franklin, and Berkshire Counties in MA, and Hartford, Litchfield, and Tolland Counties in CT).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.25% | Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $14.25 per $1,000. |
Sources (2)
All captured Oct 5, 2026
Used Automobile Loans, 2015-2017 Model Years
Rates shown are based on credit Tier 1 and include a 0.25% discount with automatic payments from a PNCU Perks checking account. Rate is higher without automatic payments. Financing is based on a maximum 95% of the purchase price or NADA retail value, whichever is less. Optional 90-day payment deferral available if requested prior to closing (interest accrues). Membership required (open to individuals who live, work, or attend school in Hampden, Hampshire, Franklin, and Berkshire Counties in MA, and Hartford, Litchfield, and Tolland Counties in CT).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $23.49 per $1,000. |
Sources (2)
All captured Oct 5, 2026
Used Automobile Loans, 2018-2025 Model Years
Rates shown are based on credit Tier 1 and include a 0.25% discount with automatic payments from a PNCU Perks checking account. Rate is higher without automatic payments. Financing is based on a maximum 95% of the purchase price or NADA retail value, whichever is less. Optional 90-day payment deferral available if requested prior to closing (interest accrues). Membership required (open to individuals who live, work, or attend school in Hampden, Hampshire, Franklin, and Berkshire Counties in MA, and Hartford, Litchfield, and Tolland Counties in CT).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $19.10 per $1,000. |
| up to 72 months | 6.25% | Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $16.69 per $1,000. |
| up to 84 months | 6.75% | Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $14.97 per $1,000. |
Sources (2)
All captured Oct 5, 2026
Who can join Polish National 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, work, or attend any accredited public or private college, university, high school, elementary school, or vocational school in Hartford, Litchfield, and Tolland counties in Connecticut are eligible for membership.
- Individuals who live, work, or attend school in Hampden, Hampshire, Berkshire, or Franklin counties of Western Massachusetts are eligible for membership.
Membership information collected October 5, 2026.