Credit union · NCUA insured
Members Choice Credit Union Auto Loan Rates
Members Choice Credit Union auto loans start at 4.84% APR for a new vehicle and 4.84% for a used one. Rates checked October 16, 2026.
How Members Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Waco, TX, where Members Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Choice Credit Union
4.84%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Heart O' Texas Federal Credit Union
4.55%APR
- Terms
- —
- Discount
- None included
Members Choice Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Choice 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.
Auto Loans
Financing for new or used car, truck, or van. Up to 100% financing. No payments for 90 days. Rates are based on credit score, loan type and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.84% | Vehicle Year: 2023-2026. Rate advertised as low as. Stated schedule-wide APRs range between 5.59% to 18.00% APR based on credit score, loan type and term. |
| 61–75 months | 4.99% | Vehicle Year: 2023-2026. 72-month to 83-month term requires a minimum $15,000 loan amount. Rate advertised as low as. |
| 76–84 months | 5.49% | Vehicle Year: 2023-2026. 72-month to 83-month term requires a minimum $15,000 loan amount; 84-month term requires $40,000 loan amount. Rate advertised as low as. |
| 61–72 months | 4.99% | Vehicle Year: 2021-2022. 72-month term requires a minimum $15,000 loan amount. Rate advertised as low as. |
| 73–75 months | 5.74% | Vehicle Year: 2021-2022. 72-month to 83-month term requires a minimum $15,000 loan amount. Rate advertised as low as. |
| 61–66 months | 5.74% | Vehicle Year: 2017-2020. Rate advertised as low as. |
| up to 48 months | 6.49% | Vehicle Year: 2015-2016. Rate advertised as low as. |
| up to 48 months | 6.99% | Vehicle Year: 2013-2014. Rate advertised as low as. |
| up to 36 months | 7.49% | Vehicle Year: 2011-2012. Rate advertised as low as. |
| up to 24 months | 7.99% | Vehicle Year: 2010 & Older. Rate advertised as low as. |
Sources (2)
All captured Oct 8, 2026
Who can join Members Choice Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Bosque, Coryell, Falls, Hill, Limestone, McLennan, Milam, or Robertson County are eligible for membership.
Membership information collected October 5, 2026.