Credit union · NCUA insured
Saint Michaels Federal Credit Union Auto Loan Rates
Saint Michaels Federal Credit Union auto loans start at 7.00% APR for a new vehicle and 9.00% for a used one. Rates checked October 15, 2026.
How Saint Michaels Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Saint Michaels Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Saint Michaels Federal Credit Union
7.00%APR
- Terms
- up to 60 months
Auto Loans (new)
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
Saint Michaels Federal Credit Union auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Saint Michaels 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 Loans (new)
Rates listed is for A credit, please call for other rates. No Down Payment for New Cars Requires 2 signatures. Max Loan Amount $40,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | As low as rate for A credit. Minimum down payment: none (requires 2 signatures). Example monthly payment per thousand borrowed: 18.19. |
Sources (2)
All captured Oct 5, 2026
Used Auto 2021
Rates listed is for A credit, please call for other rates. Trade In can be used as down payment. Max Loan Amount $40,000.00.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.00% | As low as rate for A credit. Minimum down payment: 20% (trade in can be used as down payment). Example monthly payment per thousand borrowed: 18.52. |
Sources (2)
All captured Oct 5, 2026
Who can join Saint Michaels 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton, and Lakeville, including anyone who lives, works, worships, and/or attends school in those communities.
Membership information collected October 5, 2026.