Credit union · NCUA insured
Merck Employees Federal Credit Union Auto Loan Rates
Merck Employees Federal Credit Union auto loans start at 5.85% APR for a new vehicle and 5.85% for a used one. Rates checked October 22, 2026.
How Merck Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Merck Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Merck Employees Federal Credit Union
5.85%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Merck Employees Federal Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.85%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Merck Employees Federal 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.
Vehicle Loans
Rates shown are the as low as rates for qualified applicants based on creditworthiness, term, and vehicle. Up to 1.00% in rate discounts available (0.25% for direct deposit of $500+/mo, 0.25% with autopay from MEFCU account, 0.25% with 20%+ downpayment, 0.25% for returning borrowers who paid off a MEFCU loan). $125 processing fee applies for lease buyouts and refinancing existing vehicle loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.35% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
| up to 36 months | 5.35% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
| up to 48 months | 5.60% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
| up to 60 months | 5.85% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
| up to 72 months | 6.10% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
| up to 84 months | 6.35% | Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available. |
Who can join Merck Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.