Credit union · NCUA insured
Members Community Credit Union Auto Loan Rates
Members Community Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Members Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muscatine, IA, where Members Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Community Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Ascentra
4.74%APR
- Terms
- 24–60 months
- Discount
- Included in the rate
2nd-lowest rate
The Family Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
Members Community Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Community 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
Membership required ($5 minimum share deposit). Loans subject to approval based on credit union lending guidelines. Rates current as of 7/16/26 and subject to change without notice. Rate, payment, and terms vary based on year of vehicle, amount financed, and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Model Year: 2023 - New. APR as low as. |
| up to 72 months | 5.00% | Model Year: 2023 - New. APR as low as. |
| up to 84 months | 5.25% | Model Year: 2023 - New. APR as low as. |
| up to 72 months | 5.50% | Model Year: 2020 - 2022. APR as low as. |
| up to 60 months | 5.25% | Model Year: 2018 - 2019. APR as low as. |
| up to 48 months | 5.25% | Model Year: 2017 or older. APR as low as. |
Sources (1)
- memberscommunitycu.org/auto-loans · captured Oct 7, 2026
Who can join Members Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Muscatine, Scott, Cedar, Johnson, Louisa counties in Iowa, or Rock Island County in Illinois are eligible for membership.
Employers and groups
- Current or retired employees of HNI Corporation are eligible for membership.
Family and household
- Immediate relatives of any current credit union member are eligible for membership.
Cost to join
- A refundable deposit of at least $5 into a savings account is required to establish membership and ownership share.
Membership information collected October 4, 2026.