Credit union · NCUA insured
Members First Community CU Auto Loan Rates
Members First Community CU 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 First Community CU’s auto loan rates compare
Compared with banks and credit unions near Quincy, IL-MO, where Members First Community CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members First Community CU
4.99%APR
- Terms
- 60+ months
- Up to
- 21.99% APR
Vehicle loans - new or used
2nd-lowest rate
United Community Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 13.24% APR
Members First Community CU 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 First Community CU 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.
Vehicle loans - new or used
To become a member, one must live or work in Adams County, Brown County, Pike County, or Schuyler County in IL, have an immediate family member who is a current member, or be an employee of an Employer Group. Subject to credit approval. Rate based on creditworthiness and term of loan. Minimum payment $50.00. Minimum term 60 months.
| Terms | APR | Conditions |
|---|---|---|
| 60+ months | 4.99%–21.99% | Rates as of October 2026. Rate may vary based on individual creditworthiness. Minimum payment - $50.00. Minimum term - 60 months. Subject to credit approval. |
Who can join Members First Community CU
This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Adams County, Brown County, Pike County, or Schuyler County in Illinois are eligible for membership.
Employers and groups
- Employees of any of the credit union's Employer Groups are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- A one-time entrance fee of $5 is required for membership (no entrance fee for youth accounts).
- Primary Shares account requires a minimum balance of $25 to maintain membership (youth members 17 or younger may build up to the $25 minimum).
Membership information collected October 5, 2026.