Credit union · NCUA insured
Members Exchange Credit Union Auto Loan Rates
Members Exchange 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 Exchange Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MS, where Members Exchange Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Exchange Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- 10.49% APR
New and Used Auto
Lowest rate
Mississippi DHS FCU
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Veritas Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
Members Exchange 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 Exchange 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.
2025 Year Model Extended Term
Extended term loan for 2025 year model vehicles only in A+ credit. Minimum amount financed is $50,000. Risk-based pricing based on creditworthiness. Rate match available subject to established floors.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.49% | Only in A+ credit. Minimum amount financed $50,000. Risk-based APR based on creditworthiness; lowest rates include matching floors. |
Sources (1)
- mecuanywhere.com/loans/rates/auto-loan-rates · captured Oct 7, 2026
New and Used Auto
Risk-based pricing based on creditworthiness. Rate match available: MEFCU will match other financial institution loan rates and terms on verified auto loans and reduce that rate by 0.10%, subject to established floors. Matching also applies to refinanced vehicles. More than 100% financing available for new and used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 2.99%–8.49% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 25–36 months | 3.99%–9.49% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 37–48 months | 4.49%–9.99% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 49–60 months | 4.99%–10.49% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 61–72 months | 5.49%–10.99% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 73–76 months | 5.49%–10.99% | Risk-based APR based on creditworthiness; lowest rates include matching floors. |
| 77–84 months | 5.99%–8.49% | Only in A+ to B credit. Risk-based APR based on creditworthiness; lowest rates include matching floors. |
Sources (2)
All captured Oct 7, 2026
Who can join Members Exchange 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 persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Hinds, Madison, Rankin, Simpson, Copiah, Attala, Claiborne, Covington, Holmes, Jasper, Jefferson, Jefferson Davis, Jones, Lawrence, Leake, Lincoln, Neshoba, Newton, Scott, Smith, Warren, Winston, and Yazoo Counties in Mississippi.
Family and household
- Membership is open to immediate family members of credit union members, including spouse, parents, brothers, sisters, grandparents, children, and grandchildren.
Other ways
- Membership is open to organizations owned by eligible persons.
Cost to join
- A minimum deposit of $1.00 in a share savings account is required to join.
- There is no joining fee.
Membership information collected October 4, 2026.