Credit union · NCUA insured
Memphis City Employees Credit Union Auto Loan Rates
Top CarrotMemphis City Employees Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Memphis City Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Memphis City Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Memphis City Employees Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Memphis City Employees Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Memphis City Employees 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
Available for new and used vehicles or refinancing an existing auto loan from another lender. 100% financing available with no application fees. Rate is based on credit score and term. Subject to credit approval. Applicants must be at least 18 years old.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Lowest available rate for 60 months; rate based on credit score and term; subject to credit approval. |
| up to 72 months | 4.99% | Lowest available rate for 72 months; rate based on credit score and term; subject to credit approval. |
| up to 84 months | 5.79% | Lowest available rate for 84 months; rate based on credit score and term; subject to credit approval. |
Who can join Memphis City Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of MCR Safety are eligible for membership.
- Employees of MLGW are eligible for membership.
- Employees of Smith & Nephew are eligible for membership.
Military, government and schools
- Employees of Airport Authority are eligible for membership.
- Employees of the City of Bartlett are eligible for membership.
- Employees of the City of Memphis are eligible for membership.
9 more ways to join
Military, government and schools
- Employees of the IRS Service Center in Memphis, TN are eligible for membership.
- Employees of Memphis & Shelby County Library are eligible for membership.
- Employees of Shelby County Sheriff's Office are eligible for membership.
Family and household
- All immediate family of current members can become members regardless of residency.
- Members of the immediate family or household of individuals in the field of membership are eligible for membership.
- Spouses of persons who passed away while within the field of membership are eligible for membership.
Other ways
- Individuals who were eligible for membership with Agility Financial Credit Union are eligible for membership.
- Persons retired as pensioners or annuitants from the qualifying employment groups are eligible for membership.
- Individuals who were eligible for membership with Smith & Nephew Employees Credit Union are eligible for membership.
Cost to join
- A minimum deposit of $5.00 into a Savings Account is required to become a member.
Membership information collected October 5, 2026.