Worcester Credit Union Auto Loan Rates

How Worcester Credit Union’s auto loan rates compare

Compared with banks and credit unions near Worcester, MA, where Worcester Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Worcester Credit Union
– –
Terms
—
Discount
—
No ongoing APR published
Lowest rate
Hanscom Federal Credit Union
3.99%APR
Terms
up to 66 months
Discount
None included
Hanscom Federal Credit Union rates
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
Terms
up to 60 months
Discount
Included in the rate
Leominster Employees Federal Credit Union rates

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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 Loans

Rates shown are 'as low as' based on credit score of 751 or higher and includes 0.25% rate discount with autopay set up from a Worcester CU Checking Account. All loans subject to membership & credit approval. Other rates, terms, and conditions may apply. Loan rates are subject to change at any time without notice. Normal underwriting guidelines apply. Rate may vary based on the loan term, vehicle year, value of collateral & your credit score. Must be a consumer vehicle. Maximum LTV 100%. Valuation is based on purchase price or NADA retail value, whichever is lower. Motorcycle loan refinances add 0.50% to the rate.

Terms	APR	Conditions
up to 12 months	6.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $86.29 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 24 months	6.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $44.54 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 36 months	6.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $30.64 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 48 months	6.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $23.71 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 60 months	6.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $19.68 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 72 months	6.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $16.92 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 84 months	7.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking Account. Monthly payment $15.46 per $1,000 borrowed. Refinances add 0.50% to rate.

Sources (1)

worcestercu.com/services-tools/tools/rates.html · captured Oct 5, 2026

New Vehicle (2025 & Newer) Loans & Refinancing

Rates shown are 'as low as' based on credit score of 751 or higher and includes 0.25% rate discount with autopay set up from a Worcester CU Checking Account and 0.25% rate discount for fully electric vehicles (EVs) and plug-in hybrid vehicles (PHEVs). Vehicle loan refinances add 0.50% to the rate. Maximum LTV 120%. Valuation is based on purchase price or NADA retail value, whichever is lower. Must be a consumer vehicle. Existing Worcester CU vehicle loans are not eligible for refinance offers.

Terms	APR	Conditions
up to 12 months	4.24%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $85.26 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 24 months	4.24%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $43.53 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 36 months	4.24%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $29.63 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 48 months	4.24%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $22.69 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 60 months	4.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $18.64 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 72 months	4.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $15.87 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 84 months	5.49%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $14.37 per $1,000 borrowed. Refinances add 0.50% to rate.

Sources (2)

All captured Oct 5, 2026

Used Vehicle (2024 & Older) Loans & Refinancing

Rates shown are 'as low as' based on credit score of 751 or higher and includes 0.25% rate discount with autopay set up from a Worcester CU Checking Account and 0.25% rate discount for fully electric vehicles (EVs) and plug-in hybrid vehicles (PHEVs). Vehicle loan refinances add 0.50% to the rate. Maximum LTV 100% if vehicle is less than 14 years old at maturity, and Maximum LTV is otherwise 80% for vehicles 14+ years old at loan maturity. Valuation based on purchase price or NADA retail value, whichever is lower. Must be a consumer vehicle. Do not finance salvaged or rebuilt vehicles. Existing Worcester CU vehicle loans are not eligible for refinance offers.

Terms	APR	Conditions
up to 12 months	4.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $85.49 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 24 months	4.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $43.76 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 36 months	4.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $29.85 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 48 months	4.74%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $22.91 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 60 months	4.99%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $18.87 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 72 months	4.99%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $16.10 per $1,000 borrowed. Refinances add 0.50% to rate.
up to 84 months	5.99%	Based on credit score 751+; includes 0.25% autopay discount with Worcester CU Checking and 0.25% EV/PHEV discount. Monthly payment $14.60 per $1,000 borrowed. Refinances add 0.50% to rate.

Sources (2)

All captured Oct 5, 2026

Who can join Worcester Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, or attend any school in Worcester County are eligible for membership.

Military, government and schools

Federal, State, or Municipal employees who work anywhere in Worcester County are eligible for membership.
Elected or appointed officials of a Federal, State, or Municipal government organization or agency, club, or non-profit in Worcester County are eligible for membership.
Individuals retired from qualifying government, school, elected, or appointed positions in Worcester County are eligible for membership.
Employees of a private or regional school system anywhere in Worcester County are eligible for membership.

Family and household

Family members of a Worcester Credit Union member, including parents, spouse, siblings, and children, are eligible for membership.

1 more way to join

Other ways

Organizations in Worcester County, including businesses and government organizations or agencies, are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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