Credit union · NCUA insured
Westerly Community Credit Union Auto Loan Rates
Westerly Community Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Westerly Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Providence, RI-MA, where Westerly Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Westerly Community Credit Union
5.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans 2025 and Newer
Lowest rate
Shoreham Bank
3.99%APR
- Terms
- up to 78 months
- Discount
- None included
2nd-lowest rate
St. Anthony of Padua FCU
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
Westerly Community Credit Union auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Westerly Community 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.
Motorcycle Loan 2020 and Newer
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model year 2020 and newer. Rates reflect 1.00% interest rate reduction for automatic loan payments deducted from a WCCU Checking Account scheduled at closing. Rates shown for credit score 720+.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 11.53% | Monthly payment $33.03 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 48 months | 11.53% | Monthly payment $26.13 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 60 months | 11.53% | Monthly payment $22.03 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
New Auto Loans 2025 and Newer
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model year 2025 and newer. Requires vehicle mileage of 125,000 or less (0.50% added for 125,001-150,000 miles). Maximum LTV 125%. Refinancing for new loans only. Rates reflect 1.00% reduction for automatic loan payments from a WCCU Checking Account scheduled at closing. Rates shown for 'A' credit score of 720 or above.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Monthly payment $30.20 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 48 months | 5.49% | Monthly payment $23.27 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 60 months | 5.99% | Monthly payment $19.34 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 72 months | 6.99% | Monthly payment $17.06 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 84 months | 8.49% | Monthly payment $15.85 per $1000 Borrowed. Minimum loan amount $25,000 for 7 years. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 96 months | 8.99% | Monthly payment $14.66 per $1000 Borrowed. Minimum loan amount $40,000 for 8 years. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
Used Auto Loans 2011 - 2017
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model years 2011 - 2017. Maximum LTV 90%. Rates reflect 1.00% reduction for automatic loan payments from a WCCU Checking Account scheduled at closing. Rates shown for 'A' credit score of 720 or above.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.99% | Monthly payment $25.38 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
Used Auto Loans 2018 - 2020
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model years 2018 - 2020. Maximum LTV 100%. Rates reflect 1.00% reduction for automatic loan payments from a WCCU Checking Account scheduled at closing. Rates shown for 'A' credit score of 720 or above.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Monthly payment $23.27 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 60 months | 8.49% | Monthly payment $20.53 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
Used Auto Loans 2021 - 2025
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model years 2021 - 2025. Maximum LTV 115%. Requires vehicle mileage of 125,000 or less (0.50% added for 125,001-150,000 miles). Rates reflect 1.00% reduction for automatic loan payments from a WCCU Checking Account scheduled at closing. Rates shown for 'A' credit score of 720 or above.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Monthly payment $30.20 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 48 months | 5.49% | Monthly payment $23.26 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
| up to 60 months | 5.99% | Monthly payment $19.34 per $1000 borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
Used Auto Loans 2023 and Newer
Membership available to individuals who live or work in Rhode Island, New London County, or Windham County, Connecticut. Model year 2023 and newer. Requires vehicle mileage of 125,000 or less (0.50% added for 125,001-150,000 miles). Rates reflect 1.00% reduction for automatic loan payments from a WCCU Checking Account scheduled at closing. Rates shown for 'A' credit score of 720 or above.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99% | Monthly payment $17.06 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+. |
Sources (2)
- westerlyccu.com/personal/borro…ans/car-motorcycle-loans
- westerlyccu.com/resources/explore/rates/loan-rates
All captured Oct 22, 2026
Who can join Westerly Community Credit Union
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