Credit union · NCUA insured
Members First Credit Union Auto Loan Rates
Members First Credit Union auto loans start at 4.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 22, 2026.
How Members First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Manchester, NH, where Members First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members First Credit Union
4.90%APR
- Terms
- 37–60 months
- Discount
- None included
Automobile - New Vehicle
Lowest rate
Triangle Credit Union
4.69%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Service Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
Members First Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed4.90%
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 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.
Automobile - New Vehicle
New auto is a current year vehicle with no more than 6,000 miles on the odometer. Minimum loan amount of $25,000 required for 73-84 month term. Annual Percentage Rate (APR) based on a loan amount of $15,000 including a $60 processing fee. Maximum Loan to Value (LTV) and rate determined by credit history. In-house refinance fee of $200 or $2,000 cash out requirement will apply on current Members First loans that are refinanced. VSI of $125-$249 will be charged per collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.51% | APR as low as 4.51%. Up to 100% financing. Estimated monthly payment of $31.41 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Current year vehicle with no more than 6,000 miles on the odometer. |
| 37–60 months | 4.90% | APR as low as 4.90%. Up to 100% financing. Estimated monthly payment of $19.88 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Current year vehicle with no more than 6,000 miles on the odometer. |
| 61–72 months | 5.38% | APR as low as 5.38%. Up to 100% financing. Estimated monthly payment of $17.19 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Current year vehicle with no more than 6,000 miles on the odometer. |
| 73–84 months | 6.36% | APR as low as 6.36%. Minimum loan amount of $25,000 required for 73-84 month term. Up to 100% financing. Estimated monthly payment of $15.61 per $1,000. Current year vehicle with no more than 6,000 miles on the odometer. |
Sources (1)
- membersfirstnh.org/Rates/Auto · captured Oct 22, 2026
Automobile - Used Vehicle
Used vehicles over 6 years old add 1.00%. Minimum loan amount of $25,000 required for 73-84 month term. Annual Percentage Rate (APR) based on a loan amount of $15,000 including a $60 processing fee. Maximum Loan to Value (LTV) and rate determined by credit history. In-house refinance fee of $200 or $2,000 cash out requirement will apply on current Members First loans that are refinanced. VSI of $125-$249 will be charged per collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.51% | APR as low as 4.51%. Up to 100% financing. Estimated monthly payment of $31.41 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Used vehicles over 6 years old add 1.00%. |
| 37–60 months | 4.90% | APR as low as 4.90%. Up to 100% financing. Estimated monthly payment of $19.88 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Used vehicles over 6 years old add 1.00%. |
| 61–72 months | 5.38% | APR as low as 5.38%. Up to 100% financing. Estimated monthly payment of $17.19 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Used vehicles over 6 years old add 1.00%. |
| 73–84 months | 6.36% | APR as low as 6.36%. Minimum loan amount of $25,000 required for 73-84 month term. Up to 100% financing. Estimated monthly payment of $15.61 per $1,000. Used vehicles over 6 years old add 1.00%. |
Sources (1)
- membersfirstnh.org/Rates/Auto · captured Oct 22, 2026
Motorcycle - New or Used
Annual Percentage Rate (APR) based on a loan amount of $15,000 including a $60 processing fee and subject to change without notice. Minimum loan amount of $25,000 required for 73-84 month term. All loans are subject to credit approval and credit history. In-house refinance fee of $200 or $2,000 cash out requirement will apply on current Members First loans that are refinanced. Maximum Loan to Value (LTV) and rate determined by credit history. VSI of $125-$249 will be charged per collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.01% | APR as low as 7.01%. Up to 100% financing. Estimated monthly payment of $32.60 per $1,000. Based on loan amount of $15,000 including $60 processing fee. |
| 37–60 months | 7.41% | APR as low as 7.41%. Up to 100% financing. Estimated monthly payment of $21.11 per $1,000. Based on loan amount of $15,000 including $60 processing fee. |
| 61–72 months | 8.38% | APR as low as 8.38%. Up to 100% financing. Estimated monthly payment of $18.71 per $1,000. Based on loan amount of $15,000 including $60 processing fee. |
| 73–84 months | 9.37% | APR as low as 9.37%. Minimum loan amount of $25,000 required for 73-84 month term. Up to 100% financing. Estimated monthly payment of $17.18 per $1,000. |
Sources (1)
- membersfirstnh.org/Rates/Recreational · captured Oct 22, 2026
Who can join Members First Credit Union
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