Credit union · NCUA insured
Marvel City Federal Credit Union Auto Loan Rates
Marvel City Federal Credit Union auto loans start at 3.00% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Marvel City Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Marvel City Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Marvel City Federal Credit Union
3.00%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
Marvel City Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew3.00%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Marvel City 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.
New Auto Loan
Rates and eligibility are dependent on creditworthiness. Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner) receive new auto loan rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.00% | Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner). Rate dependent on creditworthiness. |
| up to 46 months | 3.00% | Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner). Rate dependent on creditworthiness. |
| up to 48 months | 3.00% | — |
| up to 60 months | 3.00% | Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner). New vehicles less than $10,000.00 will be financed no longer than 60 months. Rate dependent on creditworthiness. |
| up to 60 months | 3.00% | — |
| up to 60 months | 3.50% | — |
| up to 66 months | 3.50% | Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner). Rate dependent on creditworthiness. |
| up to 72 months | 3.75% | Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner). Rate dependent on creditworthiness. |
| up to 72 months | 3.75% | — |
| up to 84 months | 4.00% | Vehicle must be New, no miles and cost more than $25,001.00. Rate dependent on creditworthiness. |
| up to 84 months | 4.00% | — |
Sources (5)
- marvelcityfcu.com
- marvelcityfcu.com/loans-auto
- marvelcityfcu.com/new-auto-loan
- marvelcityfcu.com/rates
- marvelcityfcu.com/loans
All captured Oct 22, 2026
Used Auto Loan
Finances used vehicles up to 10 years old with no more than 125K miles. Rates and eligibility dependent on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.00% | Used vehicles up to 10 years old with no more than 125K miles. Rate dependent on creditworthiness. |
| up to 36 months | 4.00% | — |
| up to 48 months | 4.25% | — |
| 60–66 months | 4.50% | — |
| 60–66 months | 5.00% | — |
Sources (4)
All captured Oct 22, 2026
Who can join Marvel City Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.