Workers Credit Union Auto Loan Rates

How Workers Credit Union’s auto loan rates compare

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

This credit union’s lowest
Workers Credit Union
4.99%APR
Terms
up to 66 months
Discount
Included in the rate
New and Used Auto Loans
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

Compare auto loan rates near you →

Auto loan score

Higher than 48% of U.S. banks and credit unions

By vehicle

New vehicleNew4.99%
Used vehicleUsed4.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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Where Workers 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.

Auto Loan Refinance

Workers Federal Credit Union membership required. Subject to credit underwriting and approval. APR includes a 0.500% discount for automatic payments from any Workers Checking Account ($5 minimum opening deposit). Minimum monthly payment of $150 or payment per $1,000 borrowed, whichever is greater. No down payment required unless otherwise noted.

Terms	APR	Conditions
up to 66 months	4.99%	New-2021 models. Term up to 66 Months. Payment per $1,000 is $17.36 based on 66 months. Includes 0.500% autopay discount from a Workers Checking Account.
67–78 months	5.49%	New-2021 models. Term 67 to 78 Months. Payment per $1,000 is $15.27 based on 78 months. Includes 0.500% autopay discount from a Workers Checking Account.
79–84 months	5.99%	New-2021 models. Term 79 to 84 Months. Payment per $1,000 is $14.60 based on 84 months. Includes 0.500% autopay discount from a Workers Checking Account.

Sources (3)

All captured Oct 5, 2026

First-Time Car Buyer

Workers Federal Credit Union membership required. Subject to credit underwriting and approval. Designed for applicants with little to no credit history and no co-signer. Requires steady full-time employment, income verification, and a list of 3 character references. Maximum loan amount is $25,000. Required down payment of at least 10% (trade-ins can be presented as consideration). Mileage limit is 120,000 miles. No salvage titles. Minimum monthly payment of $150 or payment per $1,000 borrowed, whichever is greater. Includes 0.500% autopay discount from a Workers Checking Account ($5 minimum opening deposit).

Terms	APR	Conditions
up to 66 months	6.24%	New-2021 models. Term up to 66 Months. Payment per $1,000 is $17.94 based on 66 months. Max loan amount $25,000. Required down payment at least 10%. Mileage limit 120,000 miles. Includes 0.500% autopay discount from a Workers Checking Account.
67–78 months	6.49%	New-2021 models. Term 67 to 78 Months. Payment per $1,000 is $15.75 based on 78 months. Max loan amount $25,000. Required down payment at least 10%. Mileage limit 120,000 miles. Includes 0.500% autopay discount from a Workers Checking Account.
79–84 months	6.74%	New-2021 models. Term 79 to 84 Months. Payment per $1,000 is $14.97 based on 84 months. Max loan amount $25,000. Required down payment at least 10%. Mileage limit 120,000 miles. Includes 0.500% autopay discount from a Workers Checking Account.
up to 72 months	6.99%	2020-2018 models. Term up to 72 Months. Payment per $1,000 is $17.04 based on 72 months. Max loan amount $25,000. Required down payment at least 10%. Mileage limit 120,000 miles. Includes 0.500% autopay discount from a Workers Checking Account.

Sources (3)

All captured Oct 5, 2026

Motorcycle Loans

Workers Federal Credit Union membership required. Subject to credit underwriting and approval. APR includes a 0.500% discount for automatic electronic loan payments from any Workers Checking Account.

Terms	APR	Conditions
up to 48 months	5.74%	Up to 48 Months. Payment per $1,000 is $23.37 based on 48 Months. Includes 0.500% discount for automatic electronic payments from a Workers Checking Account.
49–66 months	5.99%	49 to 66 Months. Payment per $1,000 is $17.82 based on 66 Months. Includes 0.500% discount for automatic electronic payments from a Workers Checking Account.
67–78 months	6.49%	67 to 78 Months. Payment per $1,000 is $15.75 based on 78 Months. Includes 0.500% discount for automatic electronic payments from a Workers Checking Account.
up to 60 months	6.74%	2013 or older models: Up to 60 Months. Payment per $1,000 is $19.68 based on 60 Months. Includes 0.500% discount for automatic electronic payments from a Workers Checking Account.

Sources (1)

wcu.com/vehicle-rates · captured Oct 5, 2026

New and Used Auto Loans

Workers Federal Credit Union membership required. Subject to credit underwriting and approval. APR includes a 0.500% discount for automatic payments from any Workers Checking Account ($5 minimum opening deposit). No down payment required unless otherwise noted. Minimum monthly payment of $150 or payment per $1,000 borrowed, whichever is greater. Financing available up to 100% of purchase price.

Terms	APR	Conditions
up to 66 months	4.99%	New–2021 models. Term up to 66 Months. Payment per $1,000 is $17.36 based on 66 months. Includes 0.500% autopay discount from a Workers Checking Account.
67–78 months	4.99%	New–2021 models. Term 67 to 78 Months. Payment per $1,000 is $15.04 based on 78 months. Includes 0.500% autopay discount from a Workers Checking Account.
79–84 months	5.49%	New–2021 models. Term 79 to 84 Months. Payment per $1,000 is $14.37 based on 84 months. Includes 0.500% autopay discount from a Workers Checking Account.
up to 72 months	5.49%	2020–2017 models. Term up to 72 Months. Payment per $1,000 is $16.33 based on 72 months. Includes 0.500% autopay discount from a Workers Checking Account.
up to 48 months	5.74%	2016-2015 models. Term up to 48 Months. Payment per $1,000 is $23.37 based on 48 months. Includes 0.500% autopay discount from a Workers Checking Account.
up to 60 months	5.74%	2001 or older models. Term up to 60 Months. Payment per $1,000 is $19.21 based on 60 months. Includes 0.500% autopay discount from a Workers Checking Account.
up to 72 months	5.99%	2001 or older models. Term up to 72 Months. Payment per $1,000 is $16.57 based on 72 months. Includes 0.500% autopay discount from a Workers Checking Account.

Sources (4)

All captured Oct 5, 2026

Who can join Workers Credit Union

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How Workers Credit Union’s auto loan rates compare

Workers Credit Union auto loan score

Current auto loan rates

Auto Loan Refinance

First-Time Car Buyer

Motorcycle Loans

New and Used Auto Loans

Who can join Workers Credit Union