Credit union · NCUA insured
Memorial Employees Financial Credit Union Auto Loan Rates
Memorial Employees Financial Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 15, 2026.
How Memorial Employees Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Memorial Employees Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Memorial Employees Financial Credit Union
5.50%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans (with 10% Down Payment)
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Memorial Employees Financial Credit Union auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Memorial Employees Financial 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 (with 0% Down Payment)
Requires 0% down payment (up to 100% financing). Membership required. Loan rates include a 0.25% discount for auto payroll deduction from credit union account. Rates based on credit score, creditworthiness, ability to repay and acceptable collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.49% | Model/Year 2019-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 36 months | 3.99% | Model/Year 2020-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 48 months | 5.00% | Model/Year 2021-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 60 months | 5.75% | Model/Year 2022-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 72 months | 5.75% | Model/Year 2023-2026. Rate includes 0.25% discount for auto payroll deduction. |
Sources (1)
- mefcu.org/Rates/Loan-Rates · captured Oct 5, 2026
Auto Loans (with 10% Down Payment)
Requires 10% down payment. Membership required. Loan rates include a 0.25% discount for auto payroll deduction from credit union account. Rates based on credit score, creditworthiness, ability to repay and acceptable collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.24% | Model/Year 2019-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 36 months | 3.74% | Model/Year 2020-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 48 months | 4.75% | Model/Year 2021-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 60 months | 5.50% | Model/Year 2022-2026. Rate includes 0.25% discount for auto payroll deduction. |
| up to 72 months | 5.50% | Model/Year 2023-2026. Rate includes 0.25% discount for auto payroll deduction. |
Sources (1)
- mefcu.org/Rates/Loan-Rates · captured Oct 5, 2026
Who can join Memorial Employees Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.