Credit union · Privately insured
MembersAlliance Credit Union Auto Loan Rates
Top CarrotMembersAlliance Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How MembersAlliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rockford, IL, where MembersAlliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MembersAlliance Credit Union
5.00%APR
- Terms
- 37–78 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
MembersAlliance Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MembersAlliance 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 Loans
Includes cars, trucks, and motorcycles for new, used, or refinance. As low as rates reflect an A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit). Rates vary based on credit evaluation. 0.25% interest rate discount available upon completing the Learn & Earn auto loan educational course (valid for 90 days for members with no auto loan credit history).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Model years 2027 - 2026. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 37–78 months | 5.00% | Model years 2027 - 2026. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 79–84 months | 6.00% | Model years 2027 - 2026. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 85–96 months | 7.00% | Model years 2027 - 2026. Minimum loan amount $40,000. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| up to 36 months | 5.50% | Model years 2025 - 2022. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 37–78 months | 5.50% | Model years 2025 - 2022. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 79–84 months | 6.50% | Model years 2025 - 2022. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 79–84 months | 6.75% | Model years 2021 - 2019. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| up to 24 months | 7.50% | Model years 2018 and older. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 25–36 months | 7.50% | Model years 2018 and older. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 37–48 months | 7.75% | Model years 2018 and older. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
| 49–60 months | 8.50% | Model years 2018 and older. Minimum loan amount $20,000. Rate reflects A+ credit discount (>740 score) and Multiple Service discount. |
Sources (2)
- membersalliance.org/loans/personal-loans/auto-loans.html
- membersalliance.org/services/tools-resources/rates.html
All captured Oct 6, 2026
Who can join MembersAlliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Winnebago, Boone, or Ogle county.
Family and household
- Membership is open to individuals who have an immediate family member who is a member.
Cost to join
- Opening a membership requires a $25 deposit into a new savings account.
Membership information collected October 5, 2026.