Credit union · NCUA insured
MCU Financial Center CU Auto Loan Rates
Top CarrotMCU Financial Center CU auto loans start at 4.24% APR for a new vehicle and 3.49% for a used one. Rates checked October 16, 2026.
How MCU Financial Center CU’s auto loan rates compare
Compared with banks and credit unions near Racine, WI, where MCU Financial Center CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MCU Financial Center CU
4.24%APR
- Terms
- —
- Up to
- —
New Auto Loan
2nd-lowest rate
Racine Municipal Employees Credit Union
4.25%APR
- Terms
- 36–60 months
- Up to
- 5.00% APR
3rd-lowest rate
Educators CU
4.80%APR
- Terms
- 36–84 months
- Up to
- —
MCU Financial Center CU auto loan score
96
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MCU Financial Center CU 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.
2017 - Older Automobiles and Motorcycles
Rates are based on credit scores. Excludes MCU refinances. .25% rate reduction for auto pay from MCU Savings or Checking Accounts w/direct deposit. (All terms) Internal refinances subject to $250 one-time fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.99% | — |
| up to 48 months | 9.49% | — |
| up to 60 months | 9.99% | — |
| up to 72 months | 10.49% | 72 month loans limited to > $20,000 |
Sources (1)
- mcucreditunion.com/loan-rates · captured Oct 16, 2026
2018 - 2023 Automobiles and Motorcycles
Rates are based on credit scores. Excludes MCU refinances. .25% rate reduction for auto pay from MCU Savings or Checking Accounts w/direct deposit. (84-month term only.) Internal refinances subject to $250 one-time fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 48 months | 5.24% | — |
| up to 60 months | 5.49% | — |
| up to 72 months | 5.74% | — |
| up to 84 months | 7.74% | 84 month-term is limited to loan amounts > $30,000. .25% rate reduction for auto pay from MCU Savings or Checking Accounts w/direct deposit. (84-month term only.) |
Sources (1)
- mcucreditunion.com/loan-rates · captured Oct 16, 2026
2018 - 2024 Automobiles and Motorcycles
Rates are based on credit scores. Excludes MCU refinances. .25% rate reduction for auto pay from MCU Savings or Checking Accounts w/direct deposit. Internal refinances subject to $250 one-time fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.99% | — |
| up to 84 months | 6.99% | 84 month-term is limited to loan amounts > $25,000 |
Sources (1)
- mcucreditunion.com/loan-rates · captured Sep 18, 2026
2024 & Newer Automobiles and Motorcycles
Rates are based on credit scores. Excludes MCU refinances. .25% rate reduction for auto pay from MCU Savings or Checking Account w/direct deposit. (84-month term only.) Internal refinances subject to $250 one-time fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | — |
| up to 48 months | 3.49% | — |
| up to 60 months | 3.49% | — |
| up to 72 months | 3.49% | — |
| up to 84 months | 6.24% | 84 month-term is limited to loan amounts >$40,000. .25% rate reduction for auto pay from MCU Savings or Checking Account w/direct deposit. (84-month term only.) |
Sources (1)
- mcucreditunion.com/loan-rates · captured Oct 16, 2026
2025 & Newer Automobiles and Motorcycles
Rates are based on credit scores. Excludes MCU refinances. .25% rate reduction for auto pay from MCU Savings or Checking Account w/direct deposit. Internal refinances subject to $250 one-time fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | — |
| up to 48 months | 4.74% | — |
| up to 60 months | 4.99% | — |
| up to 72 months | 5.24% | — |
| up to 84 months | 5.99% | 84 month-term is limited to loan amounts >$35,000 |
Sources (1)
- mcucreditunion.com/loan-rates · captured Sep 18, 2026
New Auto Loan
Loan special.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | — |
Sources (1)
- mcucreditunion.com/loan-specials · captured Sep 18, 2026
Who can join MCU Financial Center CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Racine or Kenosha counties are eligible for membership.
Cost to join
- A $15 membership share deposit into a Primary Savings account is required to join.
Membership information collected October 5, 2026.