EligibilityPer Harvard FCU: Harvard FCU is open to all Harvard affiliates, including: faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations.
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+2 moreHarvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▶Rate details & disclosures
Example: $25,000 financed for 60 months at 5.95% APR. Estimated payment: $483/mo
Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.
On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.
NewNew car rates · 2 rates
MA • Checked Nov 13, 2026
New
As low as
5.95%APR•Up to 60 months
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.Harvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▾Rate details & disclosures
Example: $25,000 financed for 60 months at 5.95% APR. Estimated payment: $483/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 60 months. Auto Loans, New and Used: APR as low as 5.95%, Up to 60 Months. "as of November 1, 2026" "1. Certain credit restrictions apply for this program. 115% financing on auto loans is subject to credit review and a down payment could be required." "2. Annual Percentage Rate." "3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. Harvard FCU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $100,000 loan amount is only offered on new vehicles. $75,000 maximum amount on used vehicles."
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.Harvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▾Rate details & disclosures
Example: $25,000 financed for 72 months at 6.45% APR. Estimated payment: $420/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 72 months. Auto Loans, New and Used: APR as low as 6.45%, Up to 72 Months. "as of November 1, 2026" "1. Certain credit restrictions apply for this program. 115% financing on auto loans is subject to credit review and a down payment could be required." "2. Annual Percentage Rate." "3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. Harvard FCU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $100,000 loan amount is only offered on new vehicles. $75,000 maximum amount on used vehicles."
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 moreHarvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▶Rate details & disclosures
Example: $25,000 financed for 60 months at 5.95% APR. Estimated payment: $483/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 moreHarvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▶Rate details & disclosures
Example: $25,000 financed for 72 months at 6.45% APR. Estimated payment: $420/mo
Assumes fixed APR, $0 down, no fees.
UsedUsed car rates · 2 rates
MA • Checked Nov 13, 2026
Used
As low as
5.95%APR•Up to 60 months
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.Harvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▾Rate details & disclosures
Example: $25,000 financed for 60 months at 5.95% APR. Estimated payment: $483/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 60 months. Auto Loans, New and Used: APR as low as 5.95%, Up to 60 Months. "as of November 1, 2026" "1. Certain credit restrictions apply for this program. 115% financing on auto loans is subject to credit review and a down payment could be required." "2. Annual Percentage Rate." "3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. Harvard FCU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $100,000 loan amount is only offered on new vehicles. $75,000 maximum amount on used vehicles."
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.Harvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▾Rate details & disclosures
Example: $25,000 financed for 72 months at 6.45% APR. Estimated payment: $420/mo
Assumes fixed APR, $0 down, no fees.
Advertised as up to 72 months. Auto Loans, New and Used: APR as low as 6.45%, Up to 72 Months. "as of November 1, 2026" "1. Certain credit restrictions apply for this program. 115% financing on auto loans is subject to credit review and a down payment could be required." "2. Annual Percentage Rate." "3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. Harvard FCU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $100,000 loan amount is only offered on new vehicles. $75,000 maximum amount on used vehicles."
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 moreHarvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▶Rate details & disclosures
Example: $25,000 financed for 60 months at 5.95% APR. Estimated payment: $483/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 moreHarvard communityHarvard community: For a specific group: only open to Harvard affiliates, including faculty, staff, students, alumni, and retirees of Harvard University, Harvard teaching hospitals, and affiliated organizations. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
▶Rate details & disclosures
Example: $25,000 financed for 72 months at 6.45% APR. Estimated payment: $420/mo
Assumes fixed APR, $0 down, no fees.
Not specified by lender: The lender does not say whether autopay or direct deposit is required. Your rate still depends on creditworthiness, term, and eligibility.
