Credit union · NCUA insured
St. Mary's Credit Union Auto Loan Rates
St. Mary's Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 15, 2026.
How St. Mary's Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Mary's Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Mary's Credit Union
5.25%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loans
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. Mary's Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Mary'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.
Auto Loans
Credit union membership required. Loan amounts up to $100,000. Terms for purchases and refinances; qualifying borrowers can finance up to 115% of vehicle value.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.25% | For 2026 - 2020 vehicles. Stated rate includes a 0.50% APR AutoPay discount when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rate is determined by credit score, term, and year of vehicle. Qualifying borrowers can finance up to 115% of value. |
| — | 6.15% | For 2019 - 2017 vehicles. Stated rate includes a 0.50% APR AutoPay discount when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rate is determined by credit score, term, and year of vehicle. Qualifying borrowers can finance up to 115% of value. |
| — | 8.49% | For 2016 - 2015 vehicles. Stated rate includes a 0.50% APR AutoPay discount when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rate is determined by credit score, term, and year of vehicle. Qualifying borrowers can finance up to 115% of value. |
| — | 8.75% | For 2014 & Older vehicles. Stated rate includes a 0.50% APR AutoPay discount when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rate is determined by credit score, term, and year of vehicle. Qualifying borrowers can finance up to 115% of value. |
Sources (2)
All captured Oct 5, 2026
Who can join St. Mary'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
- Membership is open to individuals who live, work, or attend school in Middlesex, Worcester, Norfolk, or Suffolk County.
Family and household
- Membership is open to relatives of existing members regardless of where they live, including father, mother, son, daughter, brother, sister, husband, wife, grandfather, grandmother, grandchild, in-laws, step-relatives, and half-siblings.
Cost to join
- Opening any checking or savings account requires a deposit of $10.00.
Membership information collected October 5, 2026.