Credit union · NCUA insured
Santo Christo FCU Auto Loan Rates
Santo Christo FCU auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 15, 2026.
How Santo Christo FCU’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Santo Christo FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santo Christo FCU
5.75%APR
- Terms
- 24–63 months
- Up to
- 11.95% APR
New Auto Loans
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
- Up to
- —
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
- Up to
- —
Santo Christo FCU auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santo Christo FCU 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
Model years 2026 – 2024 Co-borrower: 620 score or higher Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Terms | APR | Conditions |
|---|---|---|
| 24–63 months | 5.75%–11.95% | Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum amount $22,000 - $60,000; Debt to income 35% - 45%; Deduct .25% from interest rate if payment is automatically deducted from checking account |
| 64–75 months | 6.00%–12.75% | Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum amount $22,000 - $60,000; Debt to income 35% - 45%; Deduct .25% from interest rate if payment is automatically deducted from checking account |
| 76–84 months | 6.75%–7.95% | Credit score 670 - 730+; Maximum advance 115% - 125%; Maximum amount $50,000 - $60,000; Debt to income 45%; Deduct .25% from interest rate if payment is automatically deducted from checking account |
Sources (1)
- santochristocu.com/rates/loan-rates · captured Oct 15, 2026
Older Used Auto Loans
Model years 2018 – 2016. Deduct .25% from interest rate if payment is automatically deducted from their checking account. Maximum Amount – $30,000.000
| Terms | APR | Conditions |
|---|---|---|
| 24–63 months | 7.50%–14.75% | Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum Amount $30,000; 0.25% discount available for automatic deduction from checking account |
Sources (1)
- santochristocu.com/rates/loan-rates · captured Oct 15, 2026
Used Auto Loans
Model years 2023 – 2019. Co-borrower: 620 score or higher. Deduct .25% from interest rate if payment is automatically deducted from their checking account.
| Terms | APR | Conditions |
|---|---|---|
| 24–63 months | 5.75%–14.00% | Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum amount $15,000 - $30,000; DTI 35% - 45%; 0.25% discount available for automatic deduction from checking account |
| 64–75 months | 6.00%–14.50% | Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum amount $15,000 - $30,000; DTI 35% - 45%; 0.25% discount available for automatic deduction from checking account |
| 76–84 months | 6.75%–8.25% | Credit score 670 - 730+; Maximum advance 115% - 125%; Maximum amount $30,000; DTI 45%; 0.25% discount available for automatic deduction from checking account |
Sources (1)
- santochristocu.com/rates/loan-rates · captured Oct 15, 2026
Who can join Santo Christo FCU
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 persons who live, work, or attend school in and businesses located in Fall River MA, Somerset MA, Swansea MA, Westport MA, or Tiverton RI.
Membership information collected October 5, 2026.