Credit union · Rhode Island

Cranston Municipal Employees Credit Union auto loan rates compared

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Rhode Island · Headquarters Rhode IslandChecked Nov 13, 2026Rate page on cmecreditunion.org

EligibilityPer CME Credit Union: Membership in CME Credit Union is open to everyone! Individuals, Sole Proprietorships, Voluntary Associations, Fraternal Organizations, and Trusts regardless of residence or occupation all qualify to be part of our family.

Visit lender Opens cmecreditunion.org

Lowest new rate

4.99%APR, as low as

NewUp to 48 monthsCranston Municipal Employees Credit Union

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 more

RI lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 4 rates

RIChecked Nov 13, 2026

New
As low as

4.99%APRUp to 48 months

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 48 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. New Vehicles Only: Up to 48 months, APR* 4.990%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 4.99% APR, new, up to 48 monthsVisit lender, Cranston Municipal Employees Credit Union, 4.99% APR, new, up to 48 months ↗

RIChecked Nov 13, 2026

New
As low as

5.24%APRUp to 60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 60 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. New Vehicles Only: Up to 60 months, APR* 5.240%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 5.24% APR, new, up to 60 monthsVisit lender, Cranston Municipal Employees Credit Union, 5.24% APR, new, up to 60 months ↗

RIChecked Nov 13, 2026

New
As low as

5.49%APRUp to 72 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 72 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. New Vehicles Only: Up to 72 months, APR* 5.490%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 5.49% APR, new, up to 72 monthsVisit lender, Cranston Municipal Employees Credit Union, 5.49% APR, new, up to 72 months ↗

RIChecked Nov 13, 2026

New
As low as

6.74%APRUp to 84 months

Example: $25,000 financed for 84 months at 6.74% APR. Estimated payment: $375/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 84 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. New Vehicles Only: Up to 84 months, APR* 6.740%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 6.74% APR, new, up to 84 monthsVisit lender, Cranston Municipal Employees Credit Union, 6.74% APR, new, up to 84 months ↗
4.99%APR

New car

Visit lender, Cranston Municipal Employees Credit Union, 4.99% APR, new, up to 48 months

RIChecked Nov 13, 2026Up to 48 months

Example: $25,000 financed for 48 months at 4.99% APR. Estimated payment: $576/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.24%APR

New car

Visit lender, Cranston Municipal Employees Credit Union, 5.24% APR, new, up to 60 months

RIChecked Nov 13, 2026Up to 60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

New car

Visit lender, Cranston Municipal Employees Credit Union, 5.49% APR, new, up to 72 months

RIChecked Nov 13, 2026Up to 72 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.74%APR

New car

Visit lender, Cranston Municipal Employees Credit Union, 6.74% APR, new, up to 84 months

RIChecked Nov 13, 2026Up to 84 months

Example: $25,000 financed for 84 months at 6.74% APR. Estimated payment: $375/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 3 rates

RIChecked Nov 13, 2026

Used
As low as

5.24%APRUp to 48 months

2021–2025 models

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 48 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. Used Vehicles (2021-2025): Up to 48 months, APR* 5.240%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 5.24% APR, used, up to 48 months, 2021–2025 modelsVisit lender, Cranston Municipal Employees Credit Union, 5.24% APR, used, up to 48 months, 2021–2025 models ↗

RIChecked Nov 13, 2026

Used
As low as

5.49%APRUp to 60 months

2021–2025 models

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 60 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. Used Vehicles (2021-2025): Up to 60 months, APR* 5.490%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 5.49% APR, used, up to 60 months, 2021–2025 modelsVisit lender, Cranston Municipal Employees Credit Union, 5.49% APR, used, up to 60 months, 2021–2025 models ↗

RIChecked Nov 13, 2026

Used
As low as

5.99%APRUp to 72 months

2021–2025 models

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 72 months. New or Used Autos, Effective Date: Friday, November 13th, 2026. Used Vehicles (2021-2025): Up to 72 months, APR* 5.990%. "*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, and payment method. Published rate includes a 0.25% discount when you maintain an autopayment from your CMECU checking account."

Checked Nov 13, 2026Source cmecreditunion.org

Calculate payment, Cranston Municipal Employees Credit Union, 5.99% APR, used, up to 72 months, 2021–2025 modelsVisit lender, Cranston Municipal Employees Credit Union, 5.99% APR, used, up to 72 months, 2021–2025 models ↗
5.24%APR

Used car

Visit lender, Cranston Municipal Employees Credit Union, 5.24% APR, used, up to 48 months, 2021–2025 models

RI · 2021–2025 modelsChecked Nov 13, 2026Up to 48 months

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

Used car

Visit lender, Cranston Municipal Employees Credit Union, 5.49% APR, used, up to 60 months, 2021–2025 models

RI · 2021–2025 modelsChecked Nov 13, 2026Up to 60 months

Example: $25,000 financed for 60 months at 5.49% APR. Estimated payment: $478/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.99%APR

Used car

Visit lender, Cranston Municipal Employees Credit Union, 5.99% APR, used, up to 72 months, 2021–2025 models

RI · 2021–2025 modelsChecked Nov 13, 2026Up to 72 months

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures