Credit union · NCUA insured
Mayo Employees Federal Credit Union Auto Loan Rates
Top CarrotMayo Employees Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.59% for a used one. Rates checked October 16, 2026.
How Mayo Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, MN, where Mayo Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mayo Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
New Auto (Current Model Year or Newer)
2nd-lowest rate
Think Bank
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
First Alliance Credit Union
4.99%APR
- Terms
- 37–60 months
Mayo Employees Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mayo Employees 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 (Current Model Year or Newer)
Actual rate is based on applicant's credit history. Financing up to 100% of the purchase price available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.39% | Actual rate is based on applicant's credit history. |
| up to 48 months | 4.49% | Actual rate is based on applicant's credit history. |
| up to 60 months | 4.49% | Actual rate is based on applicant's credit history. |
| up to 72 months | 4.59% | Actual rate is based on applicant's credit history. |
| up to 84 months | 4.99% | Requires loan amount of $25,000 or more. Actual rate is based on applicant's credit history. |
Sources (2)
All captured Oct 5, 2026
Used Auto (2018 & Older)
For model years 2018 and older. Actual rate is based on applicant's credit history. Financing up to 100% of the purchase price available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.79% | Actual rate is based on applicant's credit history. |
Sources (2)
All captured Oct 5, 2026
Used Auto (2019 - 2025)
For model years 2019 - 2025. Actual rate is based on applicant's credit history. Financing up to 100% of the purchase price available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Actual rate is based on applicant's credit history. |
| up to 48 months | 4.54% | Actual rate is based on applicant's credit history. |
| up to 60 months | 4.59% | Actual rate is based on applicant's credit history. |
Sources (2)
All captured Oct 5, 2026
Who can join Mayo Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Retirees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Volunteers of all Mayo-affiliated entities are eligible for membership.
Military, government and schools
- Students of Mayo Clinic are eligible for membership.
Family and household
- Relatives of current MEFCU account holders are eligible for membership.
- Blood or adoptive relatives, stepfamily members, household relationships, or family members in the care of qualifying Mayo Clinic employees, retirees, volunteers, students, or account holders are eligible for membership regardless of age or location.
Membership information collected October 4, 2026.