Credit union · NCUA insured
MECE Credit Union Auto Loan Rates
Top CarrotMECE Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 31, 2026.
How MECE Credit Union’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
MECE Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 8.00% APR
Auto & Motorcycle Loans
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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.
Auto & Motorcycle Loans
Rate discounts based on credit score: 780 or greater (-3.50%), 700 to 779 (-3.00%), and 650 to 699 (-2.00%). Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans). Total maximum discount is 3.75%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75%–7.50% | Model year 2024 & Newer; term 36 months. Base rate 7.50%, rate with maximum discount 3.75% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 60 months | 4.25%–8.00% | Model year 2024 & Newer; term 60 months. Base rate 8.00%, rate with maximum discount 4.25% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 72 months | 4.50%–8.25% | Model year 2024 & Newer; term 72 months. Base rate 8.25%, rate with maximum discount 4.50% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 84 months | 5.50%–9.25% | Model year 2024 & Newer; term 84 months. Base rate 9.25%, rate with maximum discount 5.50% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 36 months | 4.75%–8.50% | Model year 2023 & Older; term 36 months. Base rate 8.50%, rate with maximum discount 4.75% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 48 months | 5.00%–8.75% | Model year 2023 & Older; term 48 months. Base rate 8.75%, rate with maximum discount 5.00% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 60 months | 5.25%–9.00% | Model year 2023 & Older; term 60 months. Base rate 9.00%, rate with maximum discount 5.25% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
| up to 72 months | 6.00%–9.75% | Model year 2023 & Older; term 72 months. Base rate 9.75%, rate with maximum discount 6.00% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). |
Other Titled Collateral Loans
Rate discounts based on credit score: 780 or greater (-3.50%), 700 to 779 (-3.00%), and 650 to 699 (-2.00%). Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans). Balloon note option available for amortization up to 15 years. MECE Credit Union does not match interest rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–8.75% | Model year 2024 & Newer; term 48 months. Base rate 8.75%, rate with maximum discount 5.00% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). Balloon note option available up to 15 years amortization. |
| up to 60 months | 5.50%–9.25% | Model year 2024 & Newer; term 60 months. Base rate 9.25%, rate with maximum discount 5.50% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). Balloon note option available up to 15 years amortization. |
| up to 36 months | 6.00%–9.75% | Model year 2023 & Older; term 36 months. Base rate 9.75%, rate with maximum discount 6.00% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). Balloon note option available up to 15 years amortization. |
| up to 48 months | 6.25%–10.00% | Model year 2023 & Older; term 48 months. Base rate 10.00%, rate with maximum discount 6.25% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). Balloon note option available up to 15 years amortization. |
| up to 60 months | 6.50%–10.25% | Model year 2023 & Older; term 60 months. Base rate 10.25%, rate with maximum discount 6.50% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%). Balloon note option available up to 15 years amortization. |
Sources (1)
- mececu.com/accounts/rates · captured Oct 30, 2026
MECE Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join MECE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, and MECE Credit Union are eligible for membership.
Family and household
- Immediate family members (defined as spouses, grandparents, parents, children, grandchildren, siblings, and spouses of children, grandchildren, and siblings) of eligible employees, as well as the spouse's immediate family, are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to open an account.
Membership information collected October 4, 2026.