Credit union · NCUA insured
MAC Federal Credit Union Auto Loan Rates
MAC Federal Credit Union auto loans start at 4.39% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How MAC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Anchorage, AK, where MAC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MAC Federal Credit Union
4.39%APR
- Terms
- up to 120 months
- Discount
- Included in the rate
New Vehicles
2nd-lowest rate
Alaska Air Group Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Alaska District Engineers Federal Credit Union
5.00%APR
- Terms
- up to 84 months
- Discount
- None included
MAC Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.39%
- 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 MAC Federal 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.
Motorcycle / Off Road
On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include Internal Refinancing. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.99% | On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 96 months maximum term. |
| up to 96 months | 4.99% | Includes 2% Full-Service Discount. On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 96 months maximum term. |
New Vehicles
On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include Internal Refinancing. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 120 months | 6.39% | On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 120 months maximum term (10-year term). |
| up to 120 months | 4.39% | Includes 2% Full-Service Discount. On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 120 months maximum term (10-year term). |
Used Vehicles
On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include Internal Refinancing. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.49% | On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 96 months maximum term. |
| up to 96 months | 4.49% | Includes 2% Full-Service Discount. On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 96 months maximum term. |
Who can join MAC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who live, work, worship, or attend school in the Fairbanks-North Star Borough, including businesses and other legal entities.
Other ways
- Once a member of MAC FCU, always a member for life as long as the account stays open.
Membership information collected October 4, 2026.