Auto Loans · Springfield, Massachusetts
4 credit unions in Springfield report car loan rates to the NCUA. Rates range from 4.99% to 6.29%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.76%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PIONEER VALLEY ★ 4.2 · 139 reviews | 4.99% | 5.13% |
| 2 | FREEDOM ★ 3.7 · 57 reviews | 5.74% | 5.74% |
| 3 | MASSMUTUAL ★ 4.4 · 2,411 reviews | 6.00% | 6.00% |
| 4 | GREATER SPRINGFIELD ★ 4.0 · 89 reviews | 6.29% | 6.67% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PIONEER VALLEY ★ 4.2 · 139 reviews | 5.13% | 4.99% |
| 2 | FREEDOM ★ 3.7 · 57 reviews | 5.74% | 5.74% |
| 3 | MASSMUTUAL ★ 4.4 · 2,411 reviews | 6.00% | 6.00% |
| 4 | GREATER SPRINGFIELD ★ 4.0 · 89 reviews | 6.67% | 6.29% |
A pre-approval from a Springfield 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 Springfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.