Credit union · NCUA insured
Meridian Credit Union Auto Loan Rates
Meridian Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Meridian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ottumwa, IA, where Meridian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Meridian Credit Union
5.00%APR
- Terms
- up to 60 months
- Discount
- None included
New or Used Vehicle Loan
Lowest rate
Empeople Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Meridian Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Meridian 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 or Used Vehicle Loan
Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
| up to 36 months | 4.50% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
| up to 48 months | 4.75% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
| up to 60 months | 5.00% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
| up to 72 months | 5.25% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
| up to 84 months | 5.50% | Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice. |
Sources (1)
- mymeridiancu.org/loans/vehicle · captured Oct 16, 2026
Off-Road Loan
Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. Rate subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 6.25% | Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. |
| 1–36 months | 6.50% | Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. |
| 1–48 months | 6.75% | Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. |
| 1–60 months | 7.00% | Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. |
| 1–72 months | 7.25% | Auto Pay Discount and Loan-to-Value Discount applies. Terms and qualifications apply. |
Sources (1)
- mymeridiancu.org/loans/vehicle · captured Oct 7, 2026
Who can join Meridian Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in Appanoose, Davis, Jefferson, Keokuk, Mahaska, Monroe, Van Buren, or Wapello County in Iowa.
Family and household
- Open to individuals who have an immediate family member who is already a Meridian Credit Union member.
Cost to join
- Requires an initial deposit to establish a membership account (amount unspecified).
Membership information collected October 4, 2026.