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Credit union · NCUA insured

Meridian Trust Federal Credit Union Auto Loan Rates

Meridian Trust Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 3, 2026.

How Meridian Trust Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Cheyenne, WY, where Meridian Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Meridian Trust Federal Credit Union

    4.74%APR

    Terms
    up to 96 months
    Up to
    —
    Discount
    Included in the rate

    New and Used Auto Loans - Cars and Trucks

  • Top Carrot, Carrot Score 89

    Lowest rate

    First Education Federal Credit Union

    4.49%APR

    Terms
    48–84 months
    Up to
    15.49% APR
    Discount
    None included

    First Education Federal Credit Union rates

  • 3rd-lowest rate

    Blue Federal Credit Union

    4.99%APR

    Terms
    up to 84 months
    Up to
    —
    Discount
    Included in the rate

    Blue Federal Credit Union rates

Compare auto loan rates near you →

Meridian Trust Federal Credit Union auto loan score

83

Auto loan score

Higher than 62% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.74%
  • Used vehicleUsed4.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Meridian Trust Federal Credit Union ranks

By auto loan score, in each area where it has branches

And 2 more areas →

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.

Who can join Meridian Trust Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Individuals who live, work, worship, or attend school in Cheyenne, Wyoming Census Tracts 2, 3, 4.02, 7, 10, and 11 are eligible for membership.
  • Individuals who live, work, worship, or attend school in Box Butte or Scotts Bluff County, Nebraska, or have a family member who does, are eligible for membership.
  • Individuals who live, work, worship, or attend school in Carbon, Fremont, Sweetwater, or Uinta County, Wyoming, or have a family member who does, are eligible for membership.

Employers and groups

  • Individuals who work for or are retired from BNSF railroad, Box Butte General Hospital, or Panhandle Cooperative in Alliance, Nebraska, or have a qualifying family member, are eligible for membership.
  • Employees, retirees, and eligible members/volunteers of participating Select Employee Groups (SEGs) are eligible for membership.
  • In Wellington, Colorado, eligibility extends to Poudre School District staff/retirees, residents of nearby HOAs, and employees/retirees/residents associated with the Wellington Area Chamber of Commerce or Main Streets Program.
3 more ways to join

Military, government and schools

  • Active or retired military personnel are eligible for membership.
  • Employees and retirees of the State of Wyoming, University of Wyoming, Wyoming Department of Transportation, or Wyoming Public Schools and School Districts are eligible for membership.

Family and household

  • Individuals with an immediate family member who has an account are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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