Credit union · NCUA insured
1st MidAmerica Credit Union Auto Loan Rates
Top Carrot1st MidAmerica Credit Union auto loans start at 7.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How 1st MidAmerica Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where 1st MidAmerica Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st MidAmerica Credit Union
7.74%APR
- Terms
- up to 84 months
- Up to
- —
Vehicles - 2018 and Newer
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
1st MidAmerica Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew7.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st MidAmerica Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycles and Personal Watercraft
Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates subject to maximum loan to value, and age of collateral. Contact us for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.55% | — |
| up to 48 months | 6.75% | — |
| up to 60 months | 7.99% | — |
Sources (1)
- 1stmidamerica.org/loans/loan-services/loan-rates · captured Oct 16, 2026
Vehicles - 2017 and Older
Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates stated subject to 80% maximum loan to value, and age of collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Vehicle years 2015-2017 |
| up to 66 months | 6.24% | Vehicle years 2015-2017 |
| up to 72 months | 7.24% | Vehicle years 2015-2017 |
| up to 51 months | 7.74% | Vehicle years 2011 - 2014 |
Sources (1)
- 1stmidamerica.org/loans/loan-services/loan-rates · captured Oct 16, 2026
Vehicles - 2018 and Newer
For vehicle years 2018 - 2025. Approval and final Annual Percentage Rate may be higher depending on your credit worthiness. Interest rates are subject to change and are as low as those listed. Other restrictions may apply. Minimum loan dollar amounts apply to various terms. Lowest rates stated subject to maximum 80% loan to value, and age of collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | — |
| up to 60 months | 5.24% | — |
| up to 66 months | 5.49% | — |
| up to 72 months | 5.74% | — |
| up to 78 months | 6.49% | — |
| up to 84 months | 7.74% | Vehicle Years: New 2024-2025 |
Sources (2)
All captured Oct 16, 2026
Who can join 1st MidAmerica Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.