Credit union · NCUA insured
Rhode Island Credit Union Auto Loan Rates
Top CarrotRhode Island Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Rhode Island Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Rhode Island Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rhode Island Credit Union
5.49%APR
- Terms
- up to 84 months
New Auto
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
Rhode Island Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rhode Island 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
Fixed competitive rates on new auto loans. Flexible repayment terms up to 84 months. Financing available up to 125% loan to value. No prepayment penalties. Pre-Approval, Refinance and Lease Buyout options available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Model years 2025-2026. Monthly payment $14.37 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
Sources (1)
- ricreditunion.org/auto-loans · captured Oct 7, 2026
Used Auto
Fixed competitive rates on used auto loans. Flexible repayment terms up to 84 months. Financing available up to 125% loan to value. No prepayment penalties. Pre-Approval, Refinance and Lease Buyout options available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.49% | Model years 2025-2026. Monthly payment $14.37 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 66 months | 5.69% | Model years 2021-2024. Monthly payment $17.68 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 78 months | 5.99% | Model years 2021-2024. Monthly payment $15.51 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 66 months | 5.89% | Model year 2020. Monthly payment $17.77 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 66 months | 6.89% | Model year 2019. Monthly payment $18.25 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 66 months | 7.39% | Model year 2018. Monthly payment $18.48 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available. |
| up to 66 months | 7.89% | Model year 2017. Monthly payment $18.73 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. |
| up to 54 months | 8.39% | Model year 2016. Monthly payment $22.30 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. Other rates and terms available. |
Sources (1)
- ricreditunion.org/auto-loans · captured Oct 7, 2026
Who can join Rhode Island Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals living in Massachusetts or Connecticut.
- Membership is open to individuals and organizations living, working, or having a place of business in Rhode Island.
Membership information collected October 4, 2026.