Credit union · Privately insured
Members Preferred Credit Union Auto Loan Rates
Top CarrotMembers Preferred Credit Union auto loans start at 4.99% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Members Preferred Credit Union’s auto loan rates compare
Compared with banks and credit unions near Idaho Falls, ID, where Members Preferred Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Preferred Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 25.25% APR
- Discount
- None included
Auto Loan
2nd-lowest rate
Connections CU
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Goldenwest Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Members Preferred Credit Union auto loan score
80
Auto loan score
Higher than 51% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Preferred 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.
Auto Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75%–25.25% | On approved credit (OAC) |
| up to 60 months | 4.99%–25.25% | On approved credit (OAC) |
| up to 72 months | 5.50%–25.25% | On approved credit (OAC) |
| up to 84 months | 5.99%–25.25% | On approved credit (OAC) |
Auto Loans 2025 - 2027
Model years 2025 - 2027
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–25.50% | On approved credit (OAC) |
| up to 60 months | 5.25%–25.50% | On approved credit (OAC) |
| up to 72 months | 5.75%–25.55% | On approved credit (OAC) |
| up to 84 months | 6.25%–25.50% | On approved credit (OAC) |
Sources (1)
- memberspreferred.org/loan-rates · captured Oct 15, 2026
Used Auto Loans 2017 and older
Model years 2017 and older
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25%–26.75% | On approved credit (OAC) |
| up to 60 months | 6.50%–26.75% | On approved credit (OAC) |
| up to 72 months | 7.25%–26.75% | On approved credit (OAC) |
Sources (1)
- memberspreferred.org/loan-rates · captured Oct 15, 2026
Used Auto Loans 2024 - 2018
Model years 2018 - 2024
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–25.75% | On approved credit (OAC) |
| up to 60 months | 5.50%–25.75% | On approved credit (OAC) |
| up to 72 months | 6.25%–26.75% | On approved credit (OAC) |
Sources (1)
- memberspreferred.org/loan-rates · captured Oct 15, 2026
Who can join Members Preferred 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, or worship in eligible counties in Idaho or Wyoming can qualify for membership.
Family and household
- Immediate family members of current credit union members are eligible to join.
Membership information collected October 4, 2026.