Credit union · NCUA insured
Members Credit Union Auto Loan Rates
Top CarrotMembers Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% 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 Winston-Salem, NC, where Members Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
New & Used Automobile Loans
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
3rd-lowest rate
Allegacy Financial
4.69%APR
- Terms
- 1–66 months
- Up to
- —
Members Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
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 & Used Automobile Loans
Rate is fixed for term of loan. Subject to membership eligibility, credit approval, term of loan, and loan-to-value ratio.
| Terms | APR | Conditions |
|---|---|---|
| 6–84 months | 3.99%–8.75% | Finance up to 125% of MSRP for new vehicles. Max term 84 months. Minimum monthly payment $125. |
Sources (3)
All captured Oct 7, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or learn in Surry, Wilkes, or Yadkin County are eligible to join.
- Individuals who live, work, worship, or learn in Sampson or Duplin County are eligible to join.
- Individuals who live, work, worship, or learn in Gaston County are eligible to join.
- Individuals who live, work, worship, or learn in a 25-mile radius of Hope Mills, NC are eligible to join.
- Individuals who live, work, worship, or learn in Iredell County are eligible to join.
Employers and groups
- Members of an affiliate association of MCU are eligible to join.
2 more ways to join
Employers and groups
- Employees or retirees of a Sponsor Company are eligible to join.
Family and household
- Relatives/family members of a current Members CU member (spouses, parents, grandparents, children, grandchildren, brothers, and sisters, including step relations) are eligible to join.
Cost to join
- Membership is free.
Membership information collected October 4, 2026.