Auto Loans · Boston, Massachusetts
7 credit unions in Boston report car loan rates to the NCUA. Rates range from 4.00% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.48%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | M.O.S.E.S. | 4.00% | — |
| 2 | SYMPHONY | 4.27% | 6.09% |
| 3 | ALPHA ★ 4.3 · 6 reviews | 4.36% | 5.00% |
| 4 | 600 ATLANTIC ★ 4.8 · 5 reviews | 5.25% | 6.50% |
| 5 | TREMONT ★ 4.6 · 260 reviews | 5.99% | 6.99% |
| 6 | FIRST PRIORITY ★ 2.7 · 22 reviews | 6.50% | 7.49% |
| 7 | BOSTON CUSTOMS | 8.00% | 9.00% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALPHA ★ 4.3 · 6 reviews | 5.00% | 4.36% |
| 2 | NEW ENGLAND LEE ★ 4.0 · 23 reviews | 5.75% | — |
| 3 | SYMPHONY | 6.09% | 4.27% |
| 4 | 600 ATLANTIC ★ 4.8 · 5 reviews | 6.50% | 5.25% |
| 5 | TREMONT ★ 4.6 · 260 reviews | 6.99% | 5.99% |
| 6 | FIRST PRIORITY ★ 2.7 · 22 reviews | 7.49% | 6.50% |
| 7 | BOSTON CUSTOMS | 9.00% | 8.00% |
A pre-approval from a Boston credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Boston in the same window and take the best offer.
See member reviews, branch locations, and full rate details.