Credit union · NCUA insured
MERHO Federal Credit Union Auto Loan Rates
MERHO Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How MERHO Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnstown, PA, where MERHO Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MERHO Federal Credit Union
4.25%APR
- Terms
- up to 60 months
New Car
2nd-lowest rate
PRR South Fork Federal Credit Union
4.25%APR
- Terms
- up to 84 months
3rd-lowest rate
Franklin Johnstown Federal Credit Union
4.49%APR
- Terms
- —
MERHO Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.25%
- 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 MERHO 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.
New Car
Rates are subject to change without notice – please call to confirm today’s rate. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25% | 2026 (or) 2025 (Never Titled). Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles. |
Sources (1)
- merhofcu.org/loan-rates · captured Oct 7, 2026
Used Car
Terms based on year and value of vehicle. Rates are subject to change without notice – please call to confirm today’s rates. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | 2023-2025 vehicle models. Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles. |
| — | 5.75% | 2020-2022 vehicle models. Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles. |
| — | 7.00% | 2017-2019 vehicle models. Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles. |
| — | 8.00% | 2015-2016 vehicle models. Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles. |
Sources (1)
- merhofcu.org/loan-rates · captured Oct 7, 2026
Who can join MERHO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of designated partner employer and community organizations are eligible for membership.
Military, government and schools
- Staff and students of Bishop McCort High School are eligible for membership.
- Employees of Conemaugh School of Nursing are eligible for membership.
- Employees of Mt Aloysius College are eligible for membership.
Family and household
- Immediate family members of employees of qualifying sponsor groups are eligible for membership.
Membership information collected October 5, 2026.