Credit union · NCUA insured
St. Jean's Credit Union Auto Loan Rates
Top CarrotSt. Jean's Credit Union auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How St. Jean's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Jean's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Jean's Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Car Loans - 2025-2026 Models or Newer
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
St. Jean's Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.24%
- 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 St. Jean's 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.
New Car Loans - 2025-2026 Models or Newer
Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.24% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $43.99 per $1,000. |
| up to 36 months | 5.24% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $30.09 per $1,000. |
| up to 48 months | 5.24% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $23.15 per $1,000. |
| up to 60 months | 5.24% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $18.99 per $1,000. |
| up to 72 months | 5.74% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $16.46 per $1,000. |
| up to 84 months | 6.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $14.85 per $1,000. |
Sources (2)
All captured Oct 9, 2026
Used Car Loans - 2018-2020 Models
Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.74% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $24.30 per $1,000. |
| 49–60 months | 7.99% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $20.28 per $1,000. |
Sources (2)
All captured Oct 9, 2026
Used Car Loans - 2021-2022 Models
Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $44.32 per $1,000. |
| up to 36 months | 5.99% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $30.43 per $1,000. |
| up to 48 months | 5.99% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $23.49 per $1,000. |
| up to 60 months | 6.24% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $19.45 per $1,000. |
| up to 72 months | 6.74% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $16.93 per $1,000. |
Sources (2)
All captured Oct 9, 2026
Used Car Loans - 2023-2024 Models
Published rates reflect a .25% discount when you maintain automatic loan payments. Subject to credit approval. Rates and terms are subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $44.10 per $1,000. |
| up to 36 months | 5.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $30.20 per $1,000. |
| up to 48 months | 5.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $23.26 per $1,000. |
| up to 60 months | 5.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $19.10 per $1,000. |
| up to 72 months | 5.99% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $16.58 per $1,000. |
| up to 84 months | 6.49% | Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $14.85 per $1,000. |
Sources (2)
All captured Oct 9, 2026
Who can join St. Jean's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Essex, Middlesex, or Suffolk Counties of the Commonwealth of Massachusetts are eligible to join.
Employers and groups
- Employees of H.P. Hood are eligible for membership.
Military, government and schools
- Retirees of the City of Revere and the Town of Winthrop, Massachusetts are eligible to join.
Family and household
- Immediate family members, defined as spouse, son, daughter, mother, father, sister, or brother, are eligible for membership.
Cost to join
- Membership requires opening a Primary Share Account with an initial deposit of at least $25.00 representing the member's share.
Membership information collected October 5, 2026.