Credit union · NCUA insured
Southbridge Credit Union Auto Loan Rates
Southbridge Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 15, 2026.
How Southbridge Credit Union’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where Southbridge Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southbridge Credit Union
4.75%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Southbridge Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southbridge 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
Borrow up to 100% of NADA retail on vehicles 2018-2026, up to 70% on vehicles 2016-2017, and up to 60% on vehicles 2015 and older. Maximum loan amount is $75,000. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.75% | Rate is determined by personal credit history. Auto rate applies to 2023 & newer vehicles; maximum term of 63 months. Valid on loans new to SCU with payment automatically deducted from a qualified SCU account (reflects a 0.25% discount; cancellation may result in rate increase). |
Who can join Southbridge 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This may be incomplete or out of date, so check with the credit union before you apply.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, businesses, and organizations that reside, work, or operate in Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden, or Middlesex County, MA, or Windham County, CT.
Cost to join
- New members can get started by opening an account with as little as $5.00.
Membership information collected October 5, 2026.