Credit union · NCUA insured
Memorial Credit Union Auto Loan Rates
Memorial Credit Union auto loans start at 4.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 17, 2026.
How Memorial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Memorial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Memorial Credit Union
4.14%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Autos
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
Memorial Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.14%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Memorial 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 Autos
Membership required. Stated 'rates as low as' apply to well-qualified applicants based on credit score, loan term, collateral, cash payment, relationship discounts, and other lending criteria. Maximum APR up to 18%. Discounts do not apply to floor rate of 1.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.14% | Rate is 'as low as' based on credit score, loan term, and relationship discounts. Footnote 1 provides payment example of $25,000 at 5.39% APR for 60 months. Maximum APR up to 18%. |
4 more rates on its site come from an older rate sheet (2020) and aren’t shown as current.
Sources (1)
- memorialcu.org/loans/loan-rates · captured Oct 17, 2026
Pre-Owned Autos
Membership required. Stated 'rates as low as' apply to well-qualified applicants based on credit score, loan term, collateral, cash payment, relationship discounts, and other lending criteria. Maximum APR up to 18%. Discounts do not apply to floor rate of 1.99%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.14% | Rate is 'as low as' based on credit score, loan term, and relationship discounts. Maximum APR up to 18%. |
2 more rates on its site come from an older rate sheet (2020) and aren’t shown as current.
Sources (1)
- memorialcu.org/loans/loan-rates · captured Oct 17, 2026
Who can join Memorial 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 Harris County residents and those who live, worship, work, or attend school within Harris County.
- Membership is open to those who live, worship, work, or attend school within a 10-mile radius of an MCU branch location.
Employers and groups
- Membership is open to employees and families of the Memorial Hermann Healthcare System.
- Membership is open to Memorial Hermann Healthcare System (MHHS) medical professional building tenants.
- Membership is open to Memorial Hermann Healthcare System (MHHS) contractors and vendors.
- Membership is open to Memorial Hermann Healthcare System (MHHS) volunteers.
1 more way to join
Family and household
- Eligible family members include spouses, parents, siblings, children, step relations, grandparents, and grandchildren.
Membership information collected October 5, 2026.