Credit union · NCUA insured
MemberSource Credit Union Auto Loan Rates
Top CarrotMemberSource Credit Union auto loans start at 3.98% APR for a new vehicle and 3.98% for a used one. Rates checked October 16, 2026.
How MemberSource Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where MemberSource Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MemberSource Credit Union
3.98%APR
- Terms
- 73–84 months
- Up to
- —
- Discount
- Included in the rate
New & Used - Automobiles
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
MemberSource Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.98%
- Used vehicleUsed3.98%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MemberSource 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 Refi
Refinances must be from other financial institution with minimum balance of $10,000. Certain credit criteria applies. Rate shown includes all available discounts. Stride auto loan program available for credit challenges.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 1.99% | Refinances must be from other financial institution with minimum balance of $10,000. Rate shown includes all available discounts. Other rates and terms up to 84 months available. Payment example: $20,000 at 3.19% for 60 months is $361.06/month. |
Sources (1)
- membersourcecu.org/auto-loan-refi · captured Oct 6, 2026
New & Used - Automobiles
Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. Full collision and comprehensive insurance coverage required with deductibles not exceeding $1,000.00. Rates subject to change with cancellation of discount options.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.73% | Year Models - 2020 & Newer. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
| 37–48 months | 3.80% | Year Models - 2021 & Newer. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
| 49–60 months | 3.86% | Year Models - 2022 & Newer. $10,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
| 61–72 months | 3.92% | Year Models - 2023 & Newer. $20,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
| 73–84 months | 3.98% | Year Models - 2025 & Newer. $35,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L. |
Sources (2)
All captured Oct 6, 2026
Who can join MemberSource Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals may be eligible to join MemberSource Credit Union through their employer or Select Employee Group (SEG).
Cost to join
- Opening a savings account requires a $5 deposit.
Membership information collected October 5, 2026.