Credit union · NCUA insured
Service Credit Union Auto Loan Rates
Top CarrotService Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
Chelsea Employees Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
Service Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 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 Loan
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Rates advertised with a .75% reduction for Direct Deposit+ checking account tier. New and Used auto rates are the same for vehicles that are up to 3 model years old; used vehicles in excess of 3 model years are subject to different rates. Floor rate may apply. Collateral age, loan term, and creditworthiness impact APR offered. Cannot be combined with any other offer.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | Rates shown are APR accurate as of 10/07/2026 and subject to change without notice. Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount applied based on creditworthiness and checking account tier. New and Used auto rates are the same for vehicles up to 3 model years old. Collateral age and loan term may impact APR. |
Sources (3)
All captured Oct 15, 2026
External Auto Loan Refinance
Rates advertised for external refinances only. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Floor rate may apply. Qualified borrowers can defer first payment for up to 90 days (interest continues to accrue). Up to a .75% discount applied based on creditworthiness and checking account tier.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Rate advertised for external refinances only with a .75% reduction for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). Up to a .75% discount applied based on creditworthiness and checking account tier. Members must maintain checking account tier qualifications for the life of the loan to keep the discount. Collateral age and loan term may impact APR. |
Motorcycles
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Floor rate may apply. Cannot be combined with any other offer. Rates advertised with a .75% reduction for Direct Deposit+ checking account tier. Up to a .75% discount applied based on creditworthiness and checking account tier.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.24% | Rates advertised with a .75% reduction for Direct Deposit+ checking account tier. Up to a .75% discount applied based on creditworthiness and checking account tier. Loan type, collateral age and loan term may impact APR offered. Accurate as of 10/07/2026. |
| — | 8.24% | Motorcycle loan rates starting as low as 8.24% APR. Repayment plan to fit monthly budget. |
Sources (4)
- servicecu.org/vehicle-loans
- servicecu.org/vehicle-loans/auto-loans
- servicecu.org/vehicle-loans/motorcycle-loans
- servicecu.org/rates
All captured Oct 15, 2026
Who can join Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the American Consumer Council.
- Membership is open to members of the Financial Fitness Association.
- Membership is open to employees and members of participating Workplace Partners (SEGs).
Military, government and schools
- Membership is open to current and former Department of Defense employees and their families.
- Membership is open to active duty military members, veterans, and their families.
Cost to join
- A $5 share deposit is required to establish membership.
Membership information collected October 4, 2026.