Credit union · NCUA insured
Madison Fire Department Credit Union Auto Loan Rates
Top CarrotMadison Fire Department Credit Union auto loans start at 4.87% APR for a new vehicle and 4.87% for a used one. Rates checked October 16, 2026.
How Madison Fire Department Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Madison Fire Department Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan (2024 - 2026)
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
3rd-lowest rate
Avestar CU
5.00%APR
- Terms
- 37–60 months
- Discount
- None included
Madison Fire Department Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.87%
- Used vehicleUsed4.87%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Madison Fire Department 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 (2018 & Older)
Rates effective 9/14/2026. All loans are subject to underwriting for approval. Rates apply to new money only, not MFDCU refinances.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.34% | Model year 2018 & older. Payment per $1,000 borrowed is $30.12. |
| up to 48 months | 5.65% | Model year 2018 & older. Payment per $1,000 borrowed is $23.32. |
| up to 60 months | 5.72% | Model year 2018 & older. Payment per $1,000 borrowed is $19.20. |
| up to 72 months | 6.45% | Model year 2018 & older. Payment per $1,000 borrowed is $16.79. |
Sources (1)
- mfdcu.org/_files/ugd/1ae941_9d…49e0a7c01235f5e98267.pdf · captured Sep 18, 2026
Auto Loan (2019 - 2023)
Rates effective 9/14/2026. All loans are subject to underwriting for approval. Rates apply to new money only, not MFDCU refinances.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.77% | Model year 2019 - 2023. Payment per $1,000 borrowed is $29.87. |
| up to 48 months | 4.99% | Model year 2019 - 2023. Payment per $1,000 borrowed is $23.02. |
| up to 60 months | 5.15% | Model year 2019 - 2023. Payment per $1,000 borrowed is $18.94. |
| up to 72 months | 5.80% | Model year 2019 - 2023. Payment per $1,000 borrowed is $16.48. |
| up to 84 months | 6.25% | Model year 2019 - 2023. Payment per $1,000 borrowed is $14.73. |
Sources (1)
- mfdcu.org/_files/ugd/1ae941_9d…49e0a7c01235f5e98267.pdf · captured Oct 7, 2026
Auto Loan (2024 - 2026)
Rates effective 9/14/2026. All loans are subject to underwriting for approval. Rates apply to new money only, not MFDCU refinances.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Model year 2024 - 2026. Payment per $1,000 borrowed is $29.74. |
| up to 48 months | 4.68% | Model year 2024 - 2026. Payment per $1,000 borrowed is $22.89. |
| up to 60 months | 4.87% | Model year 2024 - 2026. Payment per $1,000 borrowed is $18.81. |
| up to 72 months | 5.12% | Model year 2024 - 2026. Payment per $1,000 borrowed is $16.16. |
| up to 84 months | 5.91% | Model year 2024 - 2026. Payment per $1,000 borrowed is $14.57. |
Sources (3)
All captured Oct 7, 2026
Who can join Madison Fire Department Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.