Credit union · NCUA insured
M.C.T. Federal Credit Union Auto Loan Rates
M.C.T. Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 6.14% for a used one. Rates checked October 16, 2026.
How M.C.T. Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Amsterdam, NY, where M.C.T. Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
M.C.T. Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Broadview Federal Credit Union
4.24%APR
- Terms
- up to 60 months
3rd-lowest rate
Empower Federal Credit Union
5.49%APR
- Terms
- 49–66 months
M.C.T. Federal Credit Union auto loan score
78
Auto loan score
Higher than 46% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where M.C.T. 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 Loans
Finance up to 100% of List Price (New) or Retail Book Value. Rates based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 4.49% | Term: 2 or 3 years. |
| up to 48 months | 4.65% | Term: 4 years. |
| up to 60 months | 4.99% | Term: 5 years. |
| up to 72 months | 5.99% | Term: 6 years; must borrow more than $20,000. |
| up to 84 months | 6.50% | Term: 7 years; must borrow more than $30,000. |
Sources (1)
- mct-fcu.org/rates · captured Oct 5, 2026
Used Auto Loans 2015 and Older
Rates based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.15% | Term: 4 years. |
| up to 60 months | 8.99% | Term: 5 years. |
Sources (1)
- mct-fcu.org/rates · captured Oct 5, 2026
Used Auto Loans 2016 - 2024
Finance up to 100% of Retail Book Value 2016 - 2024. Rates based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.49% | Term: 2 or 3 years. |
| up to 48 months | 5.79% | Term: 4 years. |
| up to 60 months | 6.14% | Term: 5 years. |
| up to 72 months | 6.84% | Term: 6 years; must borrow more than $20,000. |
| up to 84 months | 7.65% | Term: 7 years; must borrow more than $30,000. |
Sources (1)
- mct-fcu.org/rates · captured Oct 5, 2026
Who can join M.C.T. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Montgomery, Fulton, Saratoga, or Schoharie County, New York.
Family and household
- Immediate family members of current MCT members are eligible for membership regardless of where they live.
Cost to join
- A minimum opening deposit for a Share Savings account is required to open membership (amount unstated).
Membership information collected October 5, 2026.