Credit union · Massachusetts

IC Federal Credit Union auto loan rates compared

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Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on iccreditunion.org

EligibilityPer IC Credit Union: Join us as a first-time member from Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts if you Live, work, worship, or attend school locally

Visit lender Opens iccreditunion.org

Lowest new rate

5.74%APR, as low as

New63 monthsIC Federal Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 63 months at 5.74% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

MA lender. Not all qualify, see requirements.

Lenders

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

NewNew car rates · 4 rates

MAChecked Nov 13, 2026

New
As low as

5.74%APR63 months

2022–2026 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 63 months at 5.74% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 63 months. Auto Loans Rates: 2026-2022 - 63 Months, APR 5.74%. "Effective as of November 1, 2026" "APR = Annual Percentage Rate" "Rates subject to change without notice." "Subject to credit underwriting and approval." "Other model years and rates available based on credit score." "Rates shown include 0.25% discount with auto pay from any IC account or from any other financial institution."

Checked Nov 13, 2026Source iccreditunion.org

Calculate payment, IC Federal Credit Union, 5.74% APR, new, 63 months, 2022–2026 modelsVisit lender, IC Federal Credit Union, 5.74% APR, new, 63 months, 2022–2026 models ↗

MAChecked Nov 13, 2026

New
As low as

5.74%APR66 months

2022–2026 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.74% APR. Estimated payment: $443/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 66 months. Auto Loans Rates: 2026-2022 - 66 Months, APR 5.74%. "Effective as of November 1, 2026" "APR = Annual Percentage Rate" "Rates subject to change without notice." "Subject to credit underwriting and approval." "Other model years and rates available based on credit score." "Rates shown include 0.25% discount with auto pay from any IC account or from any other financial institution."

Checked Nov 13, 2026Source iccreditunion.org

Calculate payment, IC Federal Credit Union, 5.74% APR, new, 66 months, 2022–2026 modelsVisit lender, IC Federal Credit Union, 5.74% APR, new, 66 months, 2022–2026 models ↗

MAChecked Nov 13, 2026

New
As low as

5.99%APR75 months

2022–2026 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 5.99% APR. Estimated payment: $401/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 75 months. Auto Loans Rates: 2026-2022 - 75 Months, APR 5.99%. "Effective as of November 1, 2026" "APR = Annual Percentage Rate" "Rates subject to change without notice." "Subject to credit underwriting and approval." "Other model years and rates available based on credit score." "Rates shown include 0.25% discount with auto pay from any IC account or from any other financial institution."

Checked Nov 13, 2026Source iccreditunion.org

Calculate payment, IC Federal Credit Union, 5.99% APR, new, 75 months, 2022–2026 modelsVisit lender, IC Federal Credit Union, 5.99% APR, new, 75 months, 2022–2026 models ↗

MAChecked Nov 13, 2026

New
As low as

5.99%APR84 months

2022–2026 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.99% APR. Estimated payment: $366/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Auto Loans Rates: 2026-2022 - 84 Months, APR 5.99%. "Effective as of November 1, 2026" "APR = Annual Percentage Rate" "Rates subject to change without notice." "Subject to credit underwriting and approval." "Other model years and rates available based on credit score." "Rates shown include 0.25% discount with auto pay from any IC account or from any other financial institution."

Checked Nov 13, 2026Source iccreditunion.org

Calculate payment, IC Federal Credit Union, 5.99% APR, new, 84 months, 2022–2026 modelsVisit lender, IC Federal Credit Union, 5.99% APR, new, 84 months, 2022–2026 models ↗
5.74%APR

New car

Visit lender, IC Federal Credit Union, 5.74% APR, new, 63 months, 2022–2026 models

MA · 2022–2026 modelsChecked Nov 13, 202663 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 63 months at 5.74% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, IC Federal Credit Union, 5.74% APR, new, 66 months, 2022–2026 models

MA · 2022–2026 modelsChecked Nov 13, 202666 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 66 months at 5.74% APR. Estimated payment: $443/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

New car

Visit lender, IC Federal Credit Union, 5.99% APR, new, 75 months, 2022–2026 models

MA · 2022–2026 modelsChecked Nov 13, 202675 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 75 months at 5.99% APR. Estimated payment: $401/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

New car

Visit lender, IC Federal Credit Union, 5.99% APR, new, 84 months, 2022–2026 models

MA · 2022–2026 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.99% APR. Estimated payment: $366/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 1 rate

MAChecked Nov 13, 2026

Used
As low as

5.74%APR63 months

2020–2025 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 63 months at 5.74% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 63 months. Used Auto Loans Rates: Model Years 2020-2025, 63 Months, APR 5.74%. "Effective as of November 1, 2026" "APR = Annual Percentage Rate" "Rates subject to change without notice." "Subject to credit underwriting and approval." "Other model years and rates available based on credit score." "Rates shown include 0.25% discount with auto pay from any IC account or from any other financial institution."

Checked Nov 13, 2026Source iccreditunion.org

Calculate payment, IC Federal Credit Union, 5.74% APR, used, 63 months, 2020–2025 modelsVisit lender, IC Federal Credit Union, 5.74% APR, used, 63 months, 2020–2025 models ↗
5.74%APR

Used car

Visit lender, IC Federal Credit Union, 5.74% APR, used, 63 months, 2020–2025 models

MA · 2020–2025 modelsChecked Nov 13, 202663 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Central & Western MA countiesCentral & Western MA counties: For a specific group: only open to people who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk County, MA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 63 months at 5.74% APR. Estimated payment: $461/mo

Assumes fixed APR, $0 down, no fees.