Credit union · NCUA insured
Stoneham Municipal Employees Federal Credit Union Auto Loan Rates
Top CarrotStoneham Municipal Employees Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 6.49% for a used one. Rates checked October 15, 2026.
How Stoneham Municipal Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Stoneham Municipal Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Stoneham Municipal Employees Federal Credit Union
5.99%APR
- Terms
- 49–72 months
New Automobile
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
Stoneham Municipal Employees Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Stoneham Municipal Employees Federal 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 Automobile
Up to 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000; Up to $60,000
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 5.25% | Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000; Payment per $1,000 calculated on maximum term available: $23.41 |
| 49–72 months | 5.99% | Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000; Payment per $1,000 calculated on maximum term available: $16.57 |
Sources (1)
- smefcu.org/rates · captured Oct 5, 2026
New/Used Motorcycle
Up To $40,000; 100% NADA value; Years 2020-2026
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 10.75% | Up To $40,000; 100% NADA value; Years 2020-2026; Payment Per $1,000: $21.62 |
Sources (1)
- smefcu.org/rates · captured Oct 5, 2026
Older Used Automobile
Up to 75% NADA value; Years 2017-2019; Up to $30,000
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 8.00% | Up To $30,000; 75% NADA value; Years 2017-2019; Payment per $1,000 calculated on maximum term available: $24.41 |
Sources (1)
- smefcu.org/rates · captured Oct 5, 2026
Used Automobile
Up to 90% NADA value; Years 2020-2026; Up to $50,000
| Terms | APR | Conditions |
|---|---|---|
| 12–72 months | 6.49% | Up To $50,000; 90% NADA value; Years 2020-2026; Payment per $1,000 calculated on maximum term available: $16.81 |
Sources (1)
- smefcu.org/rates · captured Oct 5, 2026
Who can join Stoneham Municipal Employees Federal 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 available to individuals in the served communities of Stoneham, Wilmington, Melrose, Middleton, Reading, North Reading, and Wakefield.
Employers and groups
- Membership is available to employees of local businesses approved by the Board of Directors.
- Membership is available to members of the Friends of the Melrose Library.
- Membership is available to members of the Friends of the Stoneham Public Library.
- Membership is available to members of the Friends of Wilmington Memorial Library.
Military, government and schools
- Membership is available to students of the Stoneham Public School System.
Membership information collected October 5, 2026.