Credit union · NCUA insured
Marine Credit Union Auto Loan Rates
Top CarrotMarine Credit Union auto loans start at 5.59% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Marine Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fond du Lac, WI, where Marine Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Marine Credit Union
5.59%APR
- Terms
- up to 60 months
Auto Loans – New vehicles only
Lowest rate
Compassionate Care Credit Union
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Fond du Lac Credit Union
4.49%APR
- Terms
- up to 60 months
Marine Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Marine 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 Special
Offer is for new auto loans to MCU (not available for refinancing an existing MCU loan). Requires a credit score of 720+ and opening or having an MCU checking account. Terms up to 84 months and LTV up to 130%. Regular new and used titled auto loans only. Cannot be combined with other promotional offers. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Rate shown based on $25,000 loan amount for 60 months up to 130% LTV; with monthly payments of $469.94. Requires credit score 720+ and MCU checking account. |
Sources (1)
- marinecu.com/borrow/auto-loans/auto-loan-special · captured Oct 7, 2026
Auto Loans – 6 years old or older
Used vehicle 6 years or older. Membership required. Rates and monthly payments are lowest available rates and are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.12% | Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. |
Sources (1)
- marinecu.com/borrow/auto-loans/buy-a-car · captured Oct 7, 2026
Auto Loans – New vehicles only
New, never before titled vehicle. Membership required. Rates and monthly payments are lowest available rates and are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.59% | Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. |
Sources (1)
- marinecu.com/borrow/auto-loans/buy-a-car · captured Oct 7, 2026
First-Time Auto Buyer Special
A limited-time auto loan special for qualified first-time auto loan borrowers only. Regular new and used titled vehicle loans only. Maximum loan is $20,000 with a maximum term of 72 months. Not available for refinancing an existing MCU loan. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 10.99% | Rates no higher than 10.99% APR for eligible borrowers; APR as low as 10.99%. Rate based on $20,000 loan amount for 72 months, up to 100% LTV, with a monthly payment of $380.58. |
Sources (1)
- marinecu.com/first-time-auto-buyer-special · captured Oct 7, 2026
Who can join Marine Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live in specified counties across Illinois, Minnesota, Iowa, and Wisconsin.
- Eligibility is open to individuals who work in Marine Credit Union's field of membership.
Family and household
- Eligibility is open to immediate family members of current Marine Credit Union members, including grandparents, parents, spouses, children, grandchildren, and siblings.
Cost to join
- Membership account opening requires depositing as little as $5 into a savings account.
Membership information collected October 5, 2026.