Credit union · NCUA insured
SCU Credit Union Auto Loan Rates
SCU Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How SCU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where SCU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SCU Credit Union
5.49%APR
- Terms
- up to 63 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
SCU 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 SCU 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.
Motorcycle Loans
Available to eligible SCU Credit Union members. Up to 95% financing may be available. Maximum loan amount $25,000. Your rate, term, and approved loan amount may vary based on your creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Motorcycle New (2026 - 2027). APR with 95% financing. Monthly payment per $1,000 is $23.94. Advertised APR is the lowest available. |
| up to 63 months | 7.24% | Motorcycle New (2026 - 2027). APR with 95% financing. Monthly payment per $1,000 is $19.13. Advertised APR is the lowest available. |
| up to 48 months | 8.24% | Motorcycle Used (2020 - 2025). APR with 95% financing. Monthly payment per $1,000 is $24.53. Advertised APR is the lowest available. |
| up to 63 months | 8.49% | Motorcycle Used (2020 - 2025). APR with 95% financing. Monthly payment per $1,000 is $19.73. Advertised APR is the lowest available. |
Sources (2)
All captured Oct 15, 2026
New Auto Loans
Available to eligible SCU Credit Union members. New vehicle defined as less than 5,000 miles. Up to 125% financing may be available. Rate, term, and approved loan amount vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | For vehicle years 2025 - 2027. Monthly payment per $1,000 is $18.31. Advertised APR is the lowest available. |
| 64–72 months | 5.99% | For vehicle years 2025 - 2027. Monthly payment per $1,000 is $16.57. Minimum amount financed of $10,000 on vehicles less than 90,000 miles. Advertised APR is the lowest available. |
| 73–75 months | 6.49% | For vehicle years 2025 - 2027. Monthly payment per $1,000 is $16.26. Minimum amount financed of $10,000 on vehicles less than 90,000 miles. Advertised APR is the lowest available. |
| 76–84 months | 6.99% | For vehicle years 2025 - 2027. Monthly payment per $1,000 is $15.09. Minimum amount financed of $25,000 on vehicles less than 30,000 miles. Advertised APR is the lowest available. |
Sources (1)
- scucu.com/rates/auto-and-rv-loan-rates.html · captured Oct 15, 2026
Used Auto Loans
Available to eligible SCU Credit Union members. Used vehicle defined as 2025-2026 vehicle with 5,000 or more miles or 2016-2024 vehicle with 120,000 or less miles. Up to 125% financing may be available for vehicles with mileage less than 120,000. Rate, term, and approved loan amount vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | For vehicle years 2022 - 2026. Monthly payment per $1,000 is $18.31. Advertised APR is the lowest available. |
| 64–72 months | 5.99% | For vehicle years 2022 - 2026. Monthly payment per $1,000 is $16.57. Minimum amount financed of $15,000 and mileage less than 90,000 miles. Advertised APR is the lowest available. |
| 73–75 months | 6.49% | For vehicle years 2022 - 2026. Monthly payment per $1,000 is $16.26. Minimum amount financed of $15,000 and mileage less than 90,000 miles. Advertised APR is the lowest available. |
| 76–84 months | 6.99% | For vehicle years 2022 - 2026. Monthly payment per $1,000 is $15.09. Advertised APR is the lowest available. |
| up to 63 months | 6.24% | For vehicle years 2019 - 2021. Monthly payment per $1,000 is $18.66. Advertised APR is the lowest available. |
| 64–72 months | 6.99% | For vehicle years 2019 - 2021. Monthly payment per $1,000 is $17.04. Minimum amount financed of $15,000 and mileage less than 90,000 miles. Advertised APR is the lowest available. |
| 73–75 months | 7.24% | For vehicle years 2019 - 2021. Monthly payment per $1,000 is $16.62. Minimum amount financed of $15,000 and mileage less than 90,000 miles. Advertised APR is the lowest available. |
| up to 60 months | 6.99% | For vehicle years 2016 - 2018. Monthly payment per $1,000 is $19.01. Advertised APR is the lowest available. |
Sources (1)
- scucu.com/rates/auto-and-rv-loan-rates.html · captured Oct 15, 2026
Who can join SCU 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 who live, work, attend school, college or university, or have a usual place of business in specified counties in Massachusetts (Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk), Rhode Island (Bristol, Newport, Providence), or specified towns in Worcester County, Massachusetts (Blackstone, Hopedale, Mendon, Milford, Millville, Northbridge, Southborough, Upton, Uxbridge, Westborough).
Family and household
- Membership is open to family members (defined as spouse, child, brother, sister, parent, grandchild, grandparent, stepchild, stepbrother, stepsister, sister-in-law, brother-in-law, mother-in-law, father-in-law, daughter-in-law, son-in-law, aunt, uncle, niece, nephew, or cousin) of eligible persons, regardless of location.
Other ways
- Membership is open to organization members (fraternal organizations, voluntary associations, partnerships, or corporations) having a usual place of business within the commonwealth and composed principally of individual members or stockholders eligible for credit union membership or the Central Credit Union Fund, Inc.
Membership information collected October 5, 2026.