Credit union · NCUA insured
Madison Credit Union Auto Loan Rates
Madison Credit Union auto loans start at 5.24% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Madison Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Madison Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Madison Credit Union
5.24%APR
- Terms
- 49–60 months
- Up to
- 9.99% APR
- Discount
- None included
New Car Loans
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Madison Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Madison 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.
New Car Loans
For model year 2025 and newer vehicles. Financing up to 100% of purchase price plus taxes and fees. $1,000 new money required. Rates, terms, and conditions subject to change and vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–9.74% | Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 37–48 months | 4.99%–9.74% | Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 49–60 months | 5.24%–9.99% | Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 61–72 months | 5.49%–10.24% | Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 73–84 months | 5.99%–10.74% | Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
Used Car Loans
For model year 2024 and older vehicles. Financing up to Kelly or NADA retail value, or cash price on contract, whichever is lower. $1,000 new money required. Rates, terms, and conditions subject to change and vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49%–10.24% | Model years 2020-2024. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 37–48 months | 5.74%–10.49% | Model years 2020-2024. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 49–60 months | 5.99%–10.74% | Model years 2020-2024. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 61–72 months | 6.24%–10.99% | Model years 2020-2024. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 73–84 months | 6.74%–11.49% | Model years 2020-2024. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| up to 36 months | 6.99%–11.74% | Model years 2019 & older. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 37–48 months | 7.24%–11.99% | Model years 2019 & older. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
| 49–60 months | 7.49%–12.24% | Model years 2019 & older. Standard rates for credit scores 750+ (A+) down to 599-0 (E). |
Who can join Madison Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Dane, Dodge, Columbia, Green, Iowa, Jefferson, Rock, Sauk, or Walworth County in Wisconsin are eligible for membership.
Military, government and schools
- Employees and elected officials of the City of Madison, Madison Metropolitan School District, or the County of Dane are eligible for membership.
Family and household
- Immediate family members (parent, spouse, or child) of a Madison Credit Union member, or relatives living in the same household as a member, are eligible for membership.
Membership information collected October 5, 2026.