Credit union · NCUA insured
Des Moines Metro Credit Union Auto Loan Rates
Top CarrotDes Moines Metro Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Des Moines Metro Credit Union’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where Des Moines Metro Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Des Moines Metro Credit Union
4.49%APR
- Terms
- 37–63 months
Auto Loan
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
Des Moines Metro Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Des Moines Metro 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.
Auto Loan
Loan rates are with qualifying credit and subject to change without notice. For model years 2016 and older, contact the credit union.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.39% | Model years 2026-2023. Rates are with qualifying credit. |
| 37–63 months | 4.49% | Model years 2026-2023. Rates are with qualifying credit. |
| 64–69 months | 4.59% | Model years 2026-2023. Loan amount of $15,000 or greater. Rates are with qualifying credit. |
| 70–75 months | 4.59% | Model years 2026-2023. Loan amount of $25,000 or greater. Rates are with qualifying credit. |
| up to 84 months | 4.79% | Model year 2023+. Loan amount of $50,000 or greater. Rates are with qualifying credit. |
| 1–48 months | 5.09% | Model years 2022-2020. Rates are with qualifying credit. |
| 49–63 months | 5.19% | Model years 2022-2020. Rates are with qualifying credit. |
| 64–72 months | 5.29% | Model years 2022-2020. Rates are with qualifying credit. |
| 1–36 months | 5.49% | Model years 2019-2017. Rates are with qualifying credit. |
| 37–48 months | 5.69% | Model years 2019-2017. Rates are with qualifying credit. |
| 49–60 months | 5.79% | Model years 2019-2017. Rates are with qualifying credit. |
Who can join Des Moines Metro Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Polk and surrounding counties is eligible to join Des Moines Metro Credit Union.
Cost to join
- The minimum deposit required to open and maintain a savings account is $25, though no opening balance may be required with direct deposit or payroll deduction.
Membership information collected October 4, 2026.