Credit union · NCUA insured
Members Cooperative Credit Union Auto Loan Rates
Members Cooperative Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Members Cooperative Credit Union’s auto loan rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Members Cooperative Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Cooperative Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Harbor Pointe Credit Union
3.95%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Hibbing Cooperative Credit Union
4.59%APR
- Terms
- up to 60 months
- Discount
- None included
Members Cooperative Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Cooperative 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 and loan approval required. Rates listed are the lowest possible rates and require automatic payments (without auto pay the APR will be 0.25% higher). Rates are dependent on credit history, down payment, collateral, loan amount and term length.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89% | Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $29.92 per $1,000 borrowed. |
| up to 60 months | 4.99% | Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $18.87 per $1,000 borrowed. |
| up to 72 months | 5.09% | Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $16.15 per $1,000 borrowed. |
| up to 84 months | 5.19% | Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $14.22 per $1,000 borrowed. |
| up to 96 months | 5.69% | Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $12.99 per $1,000 borrowed. |
| up to 72 months | 5.49% | Year 2018 - 2023. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $16.33 per $1,000 borrowed. |
Sources (1)
- membersccu.com/loans/vehicle-loans/auto-loans · captured Oct 5, 2026
Who can join Members Cooperative Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in specified Minnesota counties or Douglas County, Wisconsin.
Employers and groups
- Eligibility is open to past or present employees of Members Cooperative Credit Union or their family members.
Family and household
- Eligibility is open to spouses of members, or blood or adoptive relatives of either a member or their spouse.
Other ways
- Eligibility is open to anyone who owns a business or other legal entity within the specified counties.
Membership information collected October 4, 2026.