Credit union · Massachusetts

UMassFive College Federal Credit Union auto loan rates compared

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Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on umassfive.coop

EligibilityPer UMassFive: While UMassFive originated by extending membership solely to the staff and students of the Five Colleges located here in the Pioneer Valley, we have grown pretty significantly over the years and now proudly extend membership to over 50 Local Organizations that share our vision and community-based values.

Visit lender Opens umassfive.coop

Lowest new rate

5.59%APR, as low as

New24–66 monthsUMassFive College Federal Credit Union

Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/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 · 3 rates

MAChecked Nov 13, 2026

New
As low as

5.59%APR24–66 months

Requires:Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24-66 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.59%, Max Term 24 to 66 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.59% APR, new, 24–66 monthsVisit lender, UMassFive College Federal Credit Union, 5.59% APR, new, 24–66 months ↗

MAChecked Nov 13, 2026

New
As low as

5.84%APR67–72 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.84%, Max Term 67 to 72 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.84% APR, new, 67–72 monthsVisit lender, UMassFive College Federal Credit Union, 5.84% APR, new, 67–72 months ↗

MAChecked Nov 13, 2026

New
As low as

6.44%APR73–84 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 6.44%, Max Term 73 to 84 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 6.44% APR, new, 73–84 monthsVisit lender, UMassFive College Federal Credit Union, 6.44% APR, new, 73–84 months ↗
5.59%APR

New car

Visit lender, UMassFive College Federal Credit Union, 5.59% APR, new, 24–66 months

MAChecked Nov 13, 202624–66 months

Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

5.84%APR

New car

Visit lender, UMassFive College Federal Credit Union, 5.84% APR, new, 67–72 months

MAChecked Nov 13, 202667–72 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

6.44%APR

New car

Visit lender, UMassFive College Federal Credit Union, 6.44% APR, new, 73–84 months

MAChecked Nov 13, 202673–84 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 3 rates

MAChecked Nov 13, 2026

Used
As low as

5.59%APR24–66 months

Requires:Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24-66 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.59%, Max Term 24 to 66 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.59% APR, used, 24–66 monthsVisit lender, UMassFive College Federal Credit Union, 5.59% APR, used, 24–66 months ↗

MAChecked Nov 13, 2026

Used
As low as

5.84%APR67–72 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.84%, Max Term 67 to 72 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.84% APR, used, 67–72 monthsVisit lender, UMassFive College Federal Credit Union, 5.84% APR, used, 67–72 months ↗

MAChecked Nov 13, 2026

Used
As low as

6.44%APR73–84 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 6.44%, Max Term 73 to 84 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 6.44% APR, used, 73–84 monthsVisit lender, UMassFive College Federal Credit Union, 6.44% APR, used, 73–84 months ↗
5.59%APR

Used car

Visit lender, UMassFive College Federal Credit Union, 5.59% APR, used, 24–66 months

MAChecked Nov 13, 202624–66 months

Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

5.84%APR

Used car

Visit lender, UMassFive College Federal Credit Union, 5.84% APR, used, 67–72 months

MAChecked Nov 13, 202667–72 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

6.44%APR

Used car

Visit lender, UMassFive College Federal Credit Union, 6.44% APR, used, 73–84 months

MAChecked Nov 13, 202673–84 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.

RefiRefinance rates · 3 rates

MAChecked Nov 13, 2026

Refi
As low as

5.59%APR24–66 months

Requires:Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 24-66 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.59%, Max Term 24 to 66 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.59% APR, refi, 24–66 monthsVisit lender, UMassFive College Federal Credit Union, 5.59% APR, refi, 24–66 months ↗

MAChecked Nov 13, 2026

Refi
As low as

5.84%APR67–72 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 67-72 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 5.84%, Max Term 67 to 72 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 5.84% APR, refi, 67–72 monthsVisit lender, UMassFive College Federal Credit Union, 5.84% APR, refi, 67–72 months ↗

MAChecked Nov 13, 2026

Refi
As low as

6.44%APR73–84 months

Requires:Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto Loans, Autos: New, Used, and Refinancing: Annual Percentage Rate (APR) 6.44%, Max Term 73 to 84 Months. "effective as of November 4, 2026. Rates subject to change at any time." "@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher." "Terms over 66 months are only available for loan amounts above $15,000."

Checked Nov 13, 2026Source umassfive.coop

Calculate payment, UMassFive College Federal Credit Union, 6.44% APR, refi, 73–84 monthsVisit lender, UMassFive College Federal Credit Union, 6.44% APR, refi, 73–84 months ↗
5.59%APR

Refinance

Visit lender, UMassFive College Federal Credit Union, 5.59% APR, refi, 24–66 months

MAChecked Nov 13, 202624–66 months

Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 66 months at 5.59% APR. Estimated payment: $441/mo

Assumes fixed APR, $0 down, no fees.

5.84%APR

Refinance

Visit lender, UMassFive College Federal Credit Union, 5.84% APR, refi, 67–72 months

MAChecked Nov 13, 202667–72 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 5.84% APR. Estimated payment: $413/mo

Assumes fixed APR, $0 down, no fees.

6.44%APR

Refinance

Visit lender, UMassFive College Federal Credit Union, 6.44% APR, refi, 73–84 months

MAChecked Nov 13, 202673–84 months

Loan amount above $15,000Loan amount above $15,000: Lender requirement: loan amount above $15,000. Your rate still depends on creditworthiness, term, and eligibility.Five Colleges & local groupsFive Colleges & local groups: For a specific group: only open to staff and students of the Five Colleges in the Pioneer Valley and employees, students, and members of 50+ local partner 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 84 months at 6.44% APR. Estimated payment: $371/mo

Assumes fixed APR, $0 down, no fees.