Credit union · NCUA insured
Members Trust Federal Credit Union Auto Loan Rates
Top CarrotMembers Trust Federal Credit Union 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 Trust Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Members Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members Trust Federal Credit Union
4.99%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
Auto Loan
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Members Trust Federal 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 Trust Federal 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
Financing available for new and used autos. Auto refinancing available. Current MTFCU loans are not eligible for refinance. Flexible terms up to 72 months. Low fixed rate loan options. No prepayment penalties. Subject to credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Rates as low as 4.99%. Flexible terms up to 72 months. Financing available for new and used autos. Auto refinancing available. |
| up to 72 months | 5.25% | Fixed rate of 5.25% APR for 72 months. Rate good on new, used, or refinances. Monthly payments for a $20,000 loan for 72 months at 5.25% APR would be $16.22 per $1,000 borrowed. Current MTFCU loans not eligible for refinance. Subject to credit qualifications. |
Who can join Members Trust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who works, lives, worships, or attends school in Erath County, Texas.
- Open to anyone who works, lives, worships, or attends school in Houston’s Underserved area.
- Open to anyone who works, lives, worships, or attends school in Oklahoma zip codes 73102, 73106, 73107, 73108, 73109, 73119, 73129, 73139, 73149, and 73159.
Employers and groups
- Open to employees and family members of employees of listed Select Employee Groups (SEGs).
- Open to existing members of, or anyone who agrees to join, the Tomball Memorial FFA Booster Club.
Family and household
- Open to individuals related to an existing MTFCU member by blood, marriage, adoption, or who share a household with an existing MTFCU member.
Cost to join
- Requires a $5.00 deposit into a Share Account held for the duration of membership.
Membership information collected October 5, 2026.