Credit union · NCUA insured
Members Credit Union Auto Loan Rates
Members Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Members Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bridgeport, CT, where Members Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto, 100% financing
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Albright Credit Union
4.44%APR
- Terms
- up to 60 months
- Discount
- None included
Members Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 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.
New Auto, 100% financing
100% financing. Available for new vehicle purchases. Pre-approval discount of 0.25% available. Refinances from another lender add 0.25% to approved rate (refinances of current MCU auto loans are not eligible). Membership eligibility required. Rate based on creditworthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Rate quoted as low as; based on credit score. 100% financing. |
| up to 36 months | 4.99% | Rate quoted as low as; based on credit score. 100% financing. |
| up to 48 months | 4.99% | Rate quoted as low as; based on credit score. 100% financing. |
| up to 60 months | 4.99% | Rate quoted as low as; based on credit score. 100% financing. |
| up to 72 months | 6.24% | Rate quoted as low as; based on credit score. 100% financing. |
| up to 84 months | 7.24% | Rate quoted as low as; based on credit score. 100% financing. |
Used Auto, 100% NADA
100% NADA value. Rates remain the same for 2018–2025 models. Used vehicles model year 2016-2017 pay an additional 1% interest; model years 2014-2015 pay an additional 2%. Pre-approval discount of 0.25% available. Refinances from another lender add 0.25% to approved rate (refinances of current MCU auto loans are not eligible). Membership eligibility required. Rate based on creditworthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Rate quoted as low as; based on credit score. 100% NADA. Used vehicles model year 2016-2017 pay an additional 1% interest; model years 2014-2015 pay an additional 2%. |
| up to 48 months | 4.99% | Rate quoted as low as; based on credit score. 100% NADA. Used vehicles model year 2016-2017 pay an additional 1% interest; model years 2014-2015 pay an additional 2%. |
| up to 60 months | 4.99% | Rate quoted as low as; based on credit score. 100% NADA. Used vehicles model year 2016-2017 pay an additional 1% interest; model years 2014-2015 pay an additional 2%. |
Who can join Members Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Fairfield County.
Cost to join
- A $5 minimum deposit into a share savings account is required to open an account and use all services of MCU.
Membership information collected October 4, 2026.