Auto Loans · Medford, Massachusetts
2 credit unions in Medford report car loan rates to the NCUA. Rates range from 4.74% to 5.25%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MEDFORD MUNICIPAL EMPLOYEES | 4.74% | 5.82% |
| 2 | MEMBERS PLUS ★ 3.9 · 28 reviews | 5.25% | 5.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MEMBERS PLUS ★ 3.9 · 28 reviews | 5.50% | 5.25% |
| 2 | MEDFORD MUNICIPAL EMPLOYEES | 5.82% | 4.74% |
A pre-approval from a Medford 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 Medford in the same window and take the best offer.
See member reviews, branch locations, and full rate details.