Credit union · NCUA insured
Members Trust FCU Auto Loan Rates
Members Trust FCU auto loans start at 5.49% APR for a new vehicle and 5.55% for a used one. Rates checked October 16, 2026.
How Members Trust FCU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Members Trust FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Trust FCU
5.49%APR
- Terms
- up to 63 months
New Auto
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Members Trust FCU auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Trust FCU 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 Auto
Lowest APR based on a TransUnion credit score of 730 or above. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | APR based on TransUnion credit score of 730 or above. |
| up to 75 months | 5.75% | Minimum Loan $15,000.00; APR based on TransUnion credit score of 730 or above. |
| up to 84 months | 6.25% | Minimum Loan $30,000.00; APR based on TransUnion credit score of 730 or above. |
Sources (1)
- memberstrust.org/auto-loans · captured Oct 7, 2026
Used Auto
Lowest APR based on a TransUnion credit score of 730 or above. Rate based on creditworthiness, model year, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.55% | Model years 2022-2026; APR based on TransUnion credit score of 730 or above. |
| up to 72 months | 5.85% | Model years 2022-2026; APR based on TransUnion credit score of 730 or above. |
| up to 84 months | 6.85% | Model years 2023-2026; Minimum Loan $30,000.00; APR based on TransUnion credit score of 730 or above. |
| up to 66 months | 6.15% | Model years 2020-2021; APR based on TransUnion credit score of 730 or above. |
| up to 60 months | 6.35% | Model year 2019; APR based on TransUnion credit score of 730 or above. |
| up to 54 months | 6.60% | Model years 2018 and older; APR based on TransUnion credit score of 730 or above. |
Sources (1)
- memberstrust.org/auto-loans · captured Oct 7, 2026
Who can join Members Trust FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of EssilorLuxottica S.A. who work in, are paid from, or are supervised from Dallas, Texas are eligible for membership.
Family and household
- Immediate family members or household members of an existing member in good standing of Members Trust Federal Credit Union are eligible for membership.
Membership information collected October 5, 2026.