Auto Loans · Cambridge, Massachusetts
3 credit unions in Cambridge report car loan rates to the NCUA. Rates range from 3.99% to 5.70%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.81%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CAMBRIDGE FIREFIGHTERS | 3.99% | 4.99% |
| 2 | CAMBRIDGE MUNICIPAL EMPLOYEES ★ 4.0 · 3 reviews | 4.75% | 6.50% |
| 3 | HARVARD ★ 3.5 · 87 reviews | 5.70% | 6.15% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CAMBRIDGE FIREFIGHTERS | 4.99% | 3.99% |
| 2 | HARVARD ★ 3.5 · 87 reviews | 6.15% | 5.70% |
| 3 | CAMBRIDGE MUNICIPAL EMPLOYEES ★ 4.0 · 3 reviews | 6.50% | 4.75% |
A pre-approval from a Cambridge 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 Cambridge in the same window and take the best offer.
See member reviews, branch locations, and full rate details.