Credit union · NCUA insured
MembersFirst Credit Union Auto Loan Rates
Top CarrotMembersFirst Credit Union auto loans start at 4.45% APR for a new vehicle and 4.45% for a used one. Rates checked October 22, 2026.
How MembersFirst Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where MembersFirst Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MembersFirst Credit Union
4.45%APR
- Terms
- up to 60 months
New & Used Vehicle Loans
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
MembersFirst Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.45%
- Used vehicleUsed4.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MembersFirst 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.
New & Used Vehicle Loans
Offers up to 100% financing. Rates and terms subject to change without notice. Rates and terms may vary based on individual creditworthiness, loan program, vehicle age, and vehicle mileage. Dollar and mileage limits apply by term. Vehicles 2018 and older will not exceed 48 months. Vehicles with High Mileage will not exceed JD Power average trade-in excluding TAVT and GAP.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.15% | Dollar limits: greater than $7,000. Mileage limits: less than 110,000 miles. Rates 'as low as' based on creditworthiness. |
| up to 48 months | 4.30% | Dollar limits: greater than $7,000. Mileage limits: less than 110,000 miles. Rates 'as low as' based on creditworthiness. |
| up to 60 months | 4.45% | Dollar limits: greater than $7,000. Mileage limits: less than 110,000 miles. Rates 'as low as' based on creditworthiness. |
| 61–72 months | 4.70% | Dollar limits: greater than $15,000. Mileage limits: less than 65,000 miles. Rates 'as low as' based on creditworthiness. |
| 73–84 months | 5.40% | Dollar limits: greater than $30,000. Mileage limits: less than 25,000 miles. Rates 'as low as' based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join MembersFirst 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live or work in Bryan County, Chatham County, Cobb County, DeKalb County, Douglas County, Effingham County, Paulding County, or the City of Sandy Springs, GA.
Employers and groups
- Membership is open to employees, students, and members of select partner schools, businesses, healthcare facilities, and community organizations.
- Membership is open to employees of WellStar Health System and affiliated groups, Emory Healthcare Decatur, Piedmont Healthcare and affiliates, and St. Joseph's/Candler Healthcare.
Military, government and schools
- Membership is open to employees of Douglas County Board of Education, Paulding County Board of Education, and Savannah State University in Georgia.
Family and household
- Membership is open to family members of eligible individuals.
Membership information collected October 4, 2026.