Credit union · NCUA insured
Quincy Credit Union Auto Loan Rates
Top CarrotQuincy Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 17, 2026.
How Quincy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Quincy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Quincy Credit Union
5.25%APR
- Terms
- 49–72 months
New Auto Loans
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
Quincy Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Quincy 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 Auto Loans
Financing available for model years 2017-2026. Applicants must be at least 18 years old. Requires credit union membership with a $5.00 Primary Share Account. Refinancing or purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
| 37–48 months | 5.00% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
| 49–72 months | 5.25% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
| 73–84 months | 5.50% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
Sources (3)
All captured Oct 17, 2026
Pre-Owned Auto Loans
Financing available for model years 2017-2026. Applicants must be at least 18 years old. Requires credit union membership with a $5.00 Primary Share Account. Refinancing or purchases.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
| 37–48 months | 5.00% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
| 49–72 months | 5.25% | Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account. |
Sources (3)
All captured Oct 17, 2026
Who can join Quincy 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 the counties served (Norfolk County and Plymouth County) are eligible for membership.
Family and household
- Individuals who have a family member in the counties served are eligible for membership.
Cost to join
- A $5.00 Primary Share Account is required for membership.
Membership information collected October 5, 2026.