Auto Loans · Worcester, Massachusetts
5 credit unions in Worcester report car loan rates to the NCUA. Rates range from 1.95% to 5.14%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
1.95%
Lowest New Car Rate
4.39%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WORCESTER ★ 4.2 · 77 reviews | 1.95% | 5.99% |
| 2 | WORCESTER FIRE DEPT. ★ 5.0 · 2 reviews | 4.87% | 6.03% |
| 3 | ALLCOM ★ 4.4 · 18 reviews | 4.99% | 4.99% |
| 4 | WORCESTER POLICE DEPARTMENT | 4.99% | 5.75% |
| 5 | WEBSTER FIRST ★ 3.9 · 81 reviews | 5.14% | 5.64% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALLCOM ★ 4.4 · 18 reviews | 4.99% | 4.99% |
| 2 | WEBSTER FIRST ★ 3.9 · 81 reviews | 5.64% | 5.14% |
| 3 | WORCESTER POLICE DEPARTMENT | 5.75% | 4.99% |
| 4 | WORCESTER ★ 4.2 · 77 reviews | 5.99% | 1.95% |
| 5 | WORCESTER FIRE DEPT. ★ 5.0 · 2 reviews | 6.03% | 4.87% |
A pre-approval from a Worcester 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 Worcester in the same window and take the best offer.
See member reviews, branch locations, and full rate details.