Credit union · NCUA insured
Watertown Municipal Credit Union Auto Loan Rates
Watertown Municipal Credit Union auto loans start at 6.99% for a used one. Rates checked October 15, 2026.
How Watertown Municipal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boston, MA-NH, where Watertown Municipal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Watertown Municipal Credit Union
– –
- Terms
- —
No ongoing APR published
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
Watertown Municipal Credit Union auto loan score
62
Auto loan score
Higher than 5% of U.S. banks and credit unions
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Watertown Municipal 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/Refinanced New Autos 2024/2025 Models
100% Financing. 2024/2025 Models.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | 100% Financing; $29.74 per $1,000/per month |
| up to 48 months | 4.55% | 100% Financing; $22.83 per $1,000/per month |
| up to 60 months | 4.75% | 100% Financing; $18.76 per $1,000/per month |
| up to 72 months | 5.49% | 100% Financing; $16.33 per $1,000/per month |
Sources (1)
- watertownmcu.com/rates/loan_rates · captured Oct 7, 2026
Used Autos 2019/2020/2021 Models
Minimum 20% Down. 2019/2020/2021 Models.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.49% | Minimum 20% Down; $31.10 per $1,000/per month |
Sources (1)
- watertownmcu.com/rates/loan_rates · captured Oct 7, 2026
Used Autos 2022/2023/2024 Models
Minimum 10% Down. 2022/2023/2024 Models.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.00% | Minimum 10% Down; $44.32 per $1,000/per month |
| up to 36 months | 6.50% | Minimum 10% Down; $30.65 per $1,000/per month |
| up to 48 months | 6.50% | Minimum 10% Down; $23.71 per $1,000/per month |
| up to 60 months | 6.99% | Minimum 10% Down; $19.80 per $1,000/per month |
Sources (1)
- watertownmcu.com/rates/loan_rates · captured Oct 7, 2026
Who can join Watertown Municipal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.