Credit union · NCUA insured
Members 1st Federal Credit Union Auto Loan Rates
Members 1st Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Members 1st Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Harrisburg, PA, where Members 1st Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members 1st Federal Credit Union
5.74%APR
- Terms
- up to 60 months
2024 - 2026 Vehicles
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
2nd-lowest rate
PA Central Federal Credit Union
4.99%APR
- Terms
- up to 84 months
Members 1st Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members 1st 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.
2017 & Older Vehicles
All loans are subject to credit approval. Loans may be subject to other terms and conditions. Final loan rate is based on your credit history, model year, term, loan to value and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 7.99% | — |
| up to 24 months | 7.99% | — |
| up to 36 months | 7.99% | — |
| up to 48 months | 7.99% | — |
| up to 60 months | 7.99% | — |
| up to 72 months | 8.39% | — |
Sources (1)
- members1st.org/ask-us/rate-center/auto · captured Oct 16, 2026
2018 - 2020 Vehicles
All loans are subject to credit approval. Loans may be subject to other terms and conditions. Final loan rate is based on your credit history, model year, term, loan to value and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 6.49% | — |
| up to 24 months | 6.49% | — |
| up to 36 months | 6.49% | — |
| up to 48 months | 6.49% | — |
| up to 60 months | 6.49% | — |
| up to 72 months | 6.79% | — |
| up to 84 months | 7.29% | — |
Sources (1)
- members1st.org/ask-us/rate-center/auto · captured Oct 16, 2026
2021 - 2023 Vehicles
All loans are subject to credit approval. Loans may be subject to other terms and conditions. Final loan rate is based on your credit history, model year, term, loan to value and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.99% | — |
| up to 24 months | 5.99% | — |
| up to 36 months | 5.99% | — |
| up to 48 months | 5.99% | — |
| up to 60 months | 5.99% | — |
| up to 72 months | 6.39% | — |
| up to 84 months | 6.79% | — |
Sources (1)
- members1st.org/ask-us/rate-center/auto · captured Oct 16, 2026
2024 - 2026 Vehicles
All loans are subject to credit approval. Loans may be subject to other terms and conditions. Final loan rate is based on your credit history, model year, term, loan to value and loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.74% | — |
| up to 24 months | 5.74% | — |
| up to 36 months | 5.74% | — |
| up to 48 months | 5.74% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 6.14% | — |
| up to 84 months | 6.54% | — |
Sources (1)
- members1st.org/ask-us/rate-center/auto · captured Oct 16, 2026
Who can join Members 1st Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.