Credit union · Privately insured
MCT Credit Union Auto Loan Rates
Top CarrotMCT Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How MCT Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beaumont, TX, where MCT Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MCT Credit Union
4.50%APR
- Terms
- 49–60 months
New Auto Loans
Lowest rate
CommonCents CU
3.50%APR
- Terms
- —
2nd-lowest rate
Gulf Credit Union
4.25%APR
- Terms
- up to 60 months
MCT Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 MCT 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 Loans
APR = Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or elected loan protections. Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. All loan rates are subject to change without prior notice. Maximum interest rate is 17.99%. Loan terms are dependent on amount financed and member/collateral. Membership required. Terms and conditions subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 25–36 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 37–48 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 49–60 months | 4.50% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 61–72 months | 4.99% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
Sources (1)
- mctcu.org/loans-and-credit/veh…s/flex-auto-program.html · captured Oct 6, 2026
Used Auto Loans
APR = Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or elected loan protections. Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. All loan rates are subject to change without prior notice. Maximum interest rate is 17.99%. Loan terms are dependent on amount financed and member/collateral. Membership required. Terms and conditions subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 25–36 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 37–48 months | 4.25% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 49–60 months | 4.50% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
| 61–72 months | 4.99% | Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%. |
Sources (1)
- mctcu.org/loans-and-credit/veh…s/flex-auto-program.html · captured Oct 6, 2026
Who can join MCT Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or is located in Jefferson County, Orange County, Hardin County, Galveston County, Chambers County, Liberty County, Jasper County, Tyler County, Newton County, or Polk County is eligible for membership.
Family and household
- Family members / relatives (such as spouse, children, parents, grandchildren, or siblings) of a member are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Membership Share Savings Account with a minimum initial deposit of $5.
Membership information collected October 5, 2026.