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 16, 2026.
How Members Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, 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
Autos
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
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.
2 for U! Auto Loan Refinance Promotion
Bring current auto loan to Members Credit Union to beat current rate by up to 2.00%, with rates as low as 4.99% APR. Plus get $500 cash rebate upon funding if loan payoff amount is $20,000 or greater from another financial institution. Offer runs April 1–October 31, 2026.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Beat rate by up to 2.00% with rates as low as 4.99% APR. Offer valid April 1–October 31, 2026. |
Sources (3)
- memberscreditunion.com
- memberscreditunion.com/2026/04…r-auto-loan-to-mcu-today
- memberscreditunion.com/loans-credit-cards/auto-vehicle
All captured Oct 7, 2026
Autos
Terms up to 6 years (or 78 months as per loan schedule), loan amounts up to 100% of manufacturer's suggested retail. Subject to credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74% | Rate as low as 4.74% for terms 2 Years or Less. |
| up to 36 months | 4.99% | Rate as low as 4.99% for 3 Years or 36 Mo. |
| up to 48 months | 4.99% | Rate as low as 4.99% for 4 Years or 48 Mo. |
| up to 60 months | 4.99% | Rate as low as 4.99% for 5 Years or 60 Mo. |
| up to 72 months | 5.24% | Rate as low as 5.24% for 6 Years or 72 Mo. |
| up to 78 months | 5.49% | Rate as low as 5.49% for 78 Mo. |
Sources (2)
All captured Oct 7, 2026
Who can join Members Credit Union
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