Harvard FCU’s current Vehicle Loan rates as of December 1, 2024
Auto Loans – up to 115% financing1
| New and Used |
APR2 as low as | Maximum Term | Maximum Amount | Estimated Monthly Payment (per $1,000 at maximum term) |
| 6.99% | Up to 60 Months | $100,000.00 (new) / $75,000.00 (used) | $19.80 | |
| 7.49% | Up to 72 Months | $100,000.00 (new) / $75,000.00 (used) | $17.29 |
Boat/RV Loans
| New and Used |
APR2 as low as | Maximum Term | Maximum Amount | Estimated Monthly Payment (per $1,000 at maximum term) |
| Up to 100% Financing1 | ||||
| 8.24%3 | Up to 10 Years | $50,000.00 | $12.26 | |
| 9.24 %3 | Up to 20 years | $50,000.00 | $9.15 | |
| Up to 90% Financing1 | ||||
| 8.24%3 | Up to 10 Years | $100,000.00 | $12.26 | |
| 9.24 %3 | Up to 20 years | $100,000.00 | $9.15 | |
If you have already submitted an application:
1. Certain credit restrictions apply for this program. 115% financing on auto loans is subject to credit review and a down payment could be required.
2. Annual Percentage Rate.
3. Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. Requires automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account to receive the 0.25% rate reduction. Your rate may vary from the rate shown. Harvard FCU will not refinance our own automobile, or motorcycle loans. Current rates are subject to change at any time. Subject to Credit Approval. $100,000 loan amount is only offered on new vehicles. $75,000 maximum amount on used vehicles.
4. The Green Auto Loan discount is only available to members that purchase a hybrid or electric (all-electric or battery-electric) vehicle.
5. Find new and used values online at NADA Guides. Harvard FCU offers lease buyouts for cars titled in Massachusetts only. We do not buy out 3rd party leases. We may not be able to offer financing on vehicles financed outside of Massachusetts. All vehicle loans approved are subject to perfecting a security lien interest prior to loan closing on the pledged collateral. All owners of vehicle will need to sign on the loan.
New or Used Auto Loan Example:
$1,000.00 loan at 6.99% for 60 months. Monthly payment is $19.80 with total finance charges of $187.79 and total repayment of $1,187.79.
Boat and RV Loan Example:
Loan Example: $1,000.00 loan at 8.24% for 10 years (120 months). Monthly payment: $12.26. Total finance charge: $471.19. Total repayment: $1,471.19.
Loan Example: $1,000.00 loan at 9.24% for 20 years (240 months). Monthly payment: $9.15. Total finance charge: $1,196.53. Total repayment: $2,196.53.