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Best for: Borrowers nationwide seeking a simple refinance with no application fees

Rockland Credit Union

Rockland Credit Union — competitive auto refinance rates and nationwide accessibility through the ACC.

Min credit
Not disclosed
APR
From 5.79%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Rockland Credit Union does not publish this on their public site. "No restriction" means Rockland Credit Union explicitly states no limit.

Overview

Rockland Credit Union (operating as Arise Financial) offers auto refinancing for new and used vehicles with terms up to 60 months and no application fees. As of October 2026, fixed rates start at 5.79% APR.…

What’s great

  • Nationwide eligibility via the American Consumer Council
  • No application fees or pre-payment penalties
  • 100% financing available for qualified applicants

What to know

  • Maximum published term for auto loans is 60 months
  • APR ceiling is not disclosed on the website

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.79% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 60 months
States served50 states
Membership requirementOpen to residents of any U.S. state through free membership in the American Consumer Council, or to family and household members of current members.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Rockland Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Rockland Credit Union before applying.

  1. [1]Auto Loans | MA Car Loan Rates — Rockland Federal Credit Union
    https://www.rfcu.com/personal/lending/auto-loans/
    Last checked: October 2026
  2. [2]Rockland Federal Credit Union Home Page — Rockland Federal Credit Union
    https://www.rfcu.com/
    Last checked: October 2026
  3. [3]Become a Member | MA Credit Union Membership — Rockland Federal Credit Union
    https://www.rfcu.com/about/membership/become-a-member/
    Last checked: October 2026