Auto Loans · Haverhill, Massachusetts
2 credit unions in Haverhill report car loan rates to the NCUA. Rates range from 4.73% to 5.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.73%
Lowest New Car Rate
5.24%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HTM ★ 4.8 · 5 reviews | 4.73% | 6.20% |
| 2 | HAVERHILL FIRE DEPARTMENT ★ 5.0 · 2 reviews | 5.75% | 6.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HTM ★ 4.8 · 5 reviews | 6.20% | 4.73% |
| 2 | HAVERHILL FIRE DEPARTMENT ★ 5.0 · 2 reviews | 6.49% | 5.75% |
A pre-approval from a Haverhill 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 Haverhill in the same window and take the best offer.
See member reviews, branch locations, and full rate details.