Credit union · NCUA insured
UMassFive Auto Loan Rates
Top CarrotUMassFive auto loan rates start at 5.34% APR. Rates checked October 17, 2026.
How UMassFive’s auto loan rates compare
Compared with banks and credit unions near Amherst Town, MA, where UMassFive has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UMassFive
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Freedom Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Polish National Credit Union
5.25%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
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.
Autos: New, Used, and Refinancing
Does not offer refinancing on existing UMassFive Auto Loans. Financing up to 125% of MSRP for new cars or NADA retail value for used cars. APR and maximum loan-to-value based on credit score, vehicle age, and vehicle mileage.
| Terms | APR | Conditions |
|---|---|---|
| 24–66 months | 5.59% | — |
| 24–66 months | 5.34% | Requires 2,500 Co-op Points to reduce rate by 0.25%. |
| 67–72 months | 5.84% | Terms over 66 months are only available for loan amounts above $15,000. |
| 67–72 months | 5.59% | Requires 2,500 Co-op Points to reduce rate by 0.25%. Terms over 66 months are only available for loan amounts above $15,000. |
| 73–84 months | 6.44% | Terms over 66 months are only available for loan amounts above $15,000. |
| 73–84 months | 6.19% | Requires 2,500 Co-op Points to reduce rate by 0.25%. Terms over 66 months are only available for loan amounts above $15,000. |
Sources (3)
- umassfive.coop/auto-loans
- umassfive.coop/personal/loans/auto/auto-loans
- umassfive.coop/personal/loans/…ns/auto-loan-disclosures
All captured Oct 15, 2026
Who can join UMassFive
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by joining Community Involved in Sustaining Agriculture (CISA) through a complimentary joint membership arranged by UMassFive.
Employers and groups
- Employees and members of participating partner organizations, businesses, and co-ops qualify for membership.
Military, government and schools
- Employees, students, and members of qualifying schools, colleges, universities, and educational groups in the eligibility chart qualify for membership.
- Employees of eligible municipal, county, and federal government entities qualify for membership.
Family and household
- Family members (siblings, parents, children, or a spouse) and household members (partners or roommates living in the same residence and maintaining a single economic unit) of an existing member qualify for membership.
Membership information collected October 5, 2026.