Auto Loans · Lowell, Massachusetts
5 credit unions in Lowell report car loan rates to the NCUA. Rates range from 4.99% to 5.89%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.33%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | JEANNE D'ARC ★ 2.7 · 82 reviews | 4.99% | 4.99% |
| 2 | ALIGN ★ 4.6 · 100 reviews | 5.12% | 6.28% |
| 3 | LOWELL MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews | 5.14% | 5.90% |
| 4 | MILLS42 ★ 4.9 · 198 reviews | 5.49% | 5.49% |
| 5 | LOWELL FIREFIGHTERS ★ 5.0 · 3 reviews | 5.89% | 5.01% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | JEANNE D'ARC ★ 2.7 · 82 reviews | 4.99% | 4.99% |
| 2 | LOWELL FIREFIGHTERS ★ 5.0 · 3 reviews | 5.01% | 5.89% |
| 3 | MILLS42 ★ 4.9 · 198 reviews | 5.49% | 5.49% |
| 4 | LOWELL MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews | 5.90% | 5.14% |
| 5 | ALIGN ★ 4.6 · 100 reviews | 6.28% | 5.12% |
A pre-approval from a Lowell 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 Lowell in the same window and take the best offer.
See member reviews, branch locations, and full rate details.