Credit union · NCUA insured
Marathon County Employees Credit Union Auto Loan Rates
Top CarrotMarathon County Employees 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 Marathon County Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wausau, WI, where Marathon County Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Marathon County Employees Credit Union
4.49%APR
- Terms
- up to 72 months
- Discount
- None included
2020 -2022 Secured Loans Vehicle and RV
Lowest rate
Athens Area CU
4.25%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Taylor Credit Union
4.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Marathon County Employees 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 Marathon County Employees 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.
2014 and Older Secured Loans Vehicle and RV
Rate based on creditworthiness and term of loan. A discount of 0.25% applies if member has 5 or more qualifying services with MCECU. A discount of 0.25% applies if LTV is 75% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 9.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 24 months | 9.99% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 36 months | 10.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 48 months | 10.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 60 months | 10.99% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
Sources (1)
- mcecu.org/rates · captured Oct 7, 2026
2015 - 2019 Secured Loans Vehicle and RV
Rate based on creditworthiness and term of loan. A discount of 0.25% applies if member has 5 or more qualifying services with MCECU. A discount of 0.25% applies if LTV is 75% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 36 months | 5.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 48 months | 5.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 60 months | 5.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 72 months | 6.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
Sources (1)
- mcecu.org/rates · captured Oct 7, 2026
2020 -2022 Secured Loans Vehicle and RV
Rate based on creditworthiness and term of loan. A discount of 0.25% applies if member has 5 or more qualifying services with MCECU. A discount of 0.25% applies if LTV is 75% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 36 months | 4.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 48 months | 4.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 60 months | 4.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 72 months | 4.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 84 months | 5.74% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
Sources (1)
- mcecu.org/rates · captured Oct 7, 2026
2023 and Newer Secured Loans Vehicle and RV
Rate based on creditworthiness and term of loan. A discount of 0.25% applies if member has 5 or more qualifying services with MCECU. A discount of 0.25% applies if LTV is 75% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 36 months | 4.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 48 months | 4.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 60 months | 4.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 72 months | 4.24% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
| up to 84 months | 5.49% | As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75% |
Sources (1)
- mcecu.org/rates · captured Oct 7, 2026
Who can join Marathon County Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Current or past public employees and retirees of North Central Health Care Facilities, Marathon County, Marathon County Special Education, Federal, State, School District, City, Town and Village, or those working in government buildings in Marathon County are eligible to join.
Family and household
- Domestic partners, spouses, former spouses, parents, children, relatives by blood or adoption, cohabitants (current or former), persons sharing a child, caregivers, or dating partners of a member are eligible to join.
- Members of the immediate families of each person eligible to become a member, including spouses, parents, children, and stepchildren, whether or not they reside in the same household, are eligible to join.
Other ways
- Organizations, associations, and trusts are eligible for membership if a majority of their respective owners/members/partners/shareholders or settlors/trustees/beneficiaries are eligible for membership.
Cost to join
- A $5 initial deposit is required to establish membership.
Membership information collected October 5, 2026.