Credit union · NCUA insured
Members' Advantage Credit Union Auto Loan Rates
Members' Advantage Credit Union auto loans start at 5.19% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Members' Advantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Stevens Point, WI, where Members' Advantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members' Advantage Credit Union
5.19%APR
- Terms
- up to 60 months
New Autos
Lowest rate
Simplicity Credit Union
4.49%APR
- Terms
- 48–60 months
2nd-lowest rate
Valley Communities Credit Union
4.72%APR
- Terms
- up to 60 months
Members' Advantage Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members' Advantage 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.
2013 and Older Autos
Rate based on creditworthiness. Vehicle value is based on MSRP or by a source approved by the credit union. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.99% | Rates as low as stated APR based on creditworthiness. Monthly payment of $44.31 per $1,000. |
| up to 36 months | 6.19% | Rates as low as stated APR based on creditworthiness. Monthly payment of $30.51 per $1,000. |
| up to 48 months | 6.49% | Minimum amount to finance is $5,000. Rates as low as stated APR based on creditworthiness. Monthly payment of $23.71 per $1,000. |
Sources (2)
All captured Oct 7, 2026
New Autos
Rate based on creditworthiness. Vehicle value is based on MSRP or by a source approved by the credit union. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.09% | Rates as low as stated APR based on creditworthiness. Monthly payment of $30.01 per $1,000. |
| up to 48 months | 5.19% | Rates as low as stated APR based on creditworthiness. Monthly payment of $23.12 per $1,000. |
| up to 60 months | 5.19% | Rates as low as stated APR based on creditworthiness. Monthly payment of $18.96 per $1,000. |
| up to 72 months | 5.39% | Rates as low as stated APR based on creditworthiness. Monthly payment of $16.29 per $1,000. |
Sources (2)
All captured Oct 16, 2026
Used 2018 to 2014 Autos
Rate based on creditworthiness. Vehicle value is based on MSRP or by a source approved by the credit union. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.29% | Rates as low as stated APR based on creditworthiness. Monthly payment of $30.10 per $1,000. |
| up to 48 months | 5.39% | Rates as low as stated APR based on creditworthiness. Monthly payment of $23.21 per $1,000. |
| up to 60 months | 5.49% | Rates as low as stated APR based on creditworthiness. Monthly payment of $19.10 per $1,000. |
| up to 72 months | 6.29% | Rates as low as stated APR based on creditworthiness. Monthly payment of $16.71 per $1,000. |
Sources (2)
All captured Oct 7, 2026
Used 2025 to 2019 Autos
Rate based on creditworthiness. Vehicle value is based on MSRP or by a source approved by the credit union. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.29% | Rates as low as stated APR based on creditworthiness. Monthly payment of $23.16 per $1,000. |
| up to 60 months | 5.49% | Rates as low as stated APR based on creditworthiness. Monthly payment of $19.10 per $1,000. |
| up to 72 months | 6.09% | Rates as low as stated APR based on creditworthiness. Monthly payment of $16.61 per $1,000. |
Sources (2)
All captured Oct 7, 2026
Who can join Members' Advantage Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.