Credit union · NCUA insured
Members1st Community Credit Union Auto Loan Rates
Top CarrotMembers1st Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Members1st Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ames, IA, where Members1st Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Members1st Community Credit Union
4.49%APR
- Terms
- —
Auto Loan
2nd-lowest rate
Community Choice Credit Union
4.52%APR
- Terms
- 37–66 months
3rd-lowest rate
Greater Iowa Credit Union
4.99%APR
- Terms
- 49–60 months
Members1st Community Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members1st Community 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
Rates expressed as Annual Percentage Rate and subject to change without notice. All loans subject to approval. Title fees are the member's responsibility. Offer not valid on existing MEMBERS1st CCU loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Featured promotion: Auto Loan – Spring 2026. Get Preapproved for an Auto Loan. |
| 61–72 months | 4.74% | Model Years 2023-2026. Loan must be $18,001 or more. Up to 100% financing available. Rate as low as. |
| 73–84 months | 4.99% | Model Years 2023-2026. Loan must be $30,001 or more & mileage under 25,000 miles. Up to 100% financing available. Rate as low as. |
| up to 48 months | 4.99% | Model Years 2020-2022. Up to 100% financing available. Rate as low as. |
| 49–60 months | 5.24% | Model Years 2020-2022. Up to 100% financing available. Rate as low as. |
| 61–72 months | 5.49% | Model Years 2020-2022. Up to 100% financing available. Rate as low as. |
| up to 36 months | 5.79% | Model Years 2017-2019. Up to 100% financing available. Rate as low as. |
| 37–48 months | 6.04% | Model Years 2017-2019. Up to 100% financing available. Rate as low as. |
| 49–60 months | 6.29% | Model Years 2017-2019. Up to 100% financing available. Rate as low as. |
| up to 36 months | 7.79% | Model Years 2016 and older. Up to 100% financing available. Rate as low as. |
| 37–48 months | 8.04% | Model Years 2016 and older. Up to 100% financing available. Rate as low as. |
Sources (4)
All captured Oct 7, 2026
Who can join Members1st Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business entities with a place of business in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, or Webster counties in Iowa are eligible to join.
- Individuals who live, attend school, worship, or work for any entity in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, and Webster counties in Iowa are eligible to join.
Family and household
- Family members of existing members are eligible to join.
Cost to join
- Joining requires completing and submitting a membership application along with a $5 deposit into a basic share savings account.
Membership information collected October 4, 2026.