Auto Loans · Manchester, New Hampshire
5 credit unions in Manchester report car loan rates to the NCUA. Rates range from 4.74% to 7.29%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.74%
Lowest New Car Rate
6.22%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ST. MARY'S BANK ★ 3.4 · 99 reviews | 4.74% | 5.14% |
| 2 | MEMBERS FIRST CREDIT UNION OF N.H. ★ 4.4 · 94 reviews | 5.49% | 5.99% |
| 3 | BELLWETHER COMMUNITY ★ 4.0 · 166 reviews | 6.74% | 5.99% |
| 4 | GRANITE STATE ★ 4.0 · 131 reviews | 6.86% | 7.25% |
| 5 | NEW HAMPSHIRE POSTAL | 7.29% | 8.02% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ST. MARY'S BANK ★ 3.4 · 99 reviews | 5.14% | 4.74% |
| 2 | MEMBERS FIRST CREDIT UNION OF N.H. ★ 4.4 · 94 reviews | 5.99% | 5.49% |
| 3 | BELLWETHER COMMUNITY ★ 4.0 · 166 reviews | 5.99% | 6.74% |
| 4 | GRANITE STATE ★ 4.0 · 131 reviews | 7.25% | 6.86% |
| 5 | NEW HAMPSHIRE POSTAL | 8.02% | 7.29% |
A pre-approval from a Manchester 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 Manchester in the same window and take the best offer.
See member reviews, branch locations, and full rate details.