Credit union · NCUA insured
Meritrust Credit Union – Colorado Auto Loan Rates
Meritrust Credit Union – Colorado auto loans start at 5.60% APR for a new vehicle and 5.60% for a used one. Rates checked October 22, 2026.
How Meritrust Credit Union – Colorado’s auto loan rates compare
Compared with banks and credit unions near Wichita, KS, where Meritrust Credit Union – Colorado has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Meritrust Credit Union – Colorado
5.60%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Andover State Bank
4.70%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
White Eagle Credit Union
4.90%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Meritrust Credit Union – Colorado auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.60%
- Used vehicleUsed5.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Meritrust Credit Union – Colorado 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
Membership and credit qualifications required. Offers apply to purchase and refinance of new and used vehicles. Financing up to 100% of actual purchase price including taxes, delivery charges, and mechanical breakdown extended warranty coverage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.37% | Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 5.25%. Payment example: financed amount $41,000 includes 47 payments of $953.16 and 1 payment of $952.85. |
| up to 60 months | 5.60% | Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 5.50%. Payment example: financed amount $41,000 includes 59 payments of $786.79 and 1 payment of $786.46. |
| up to 72 months | 5.84% | Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 5.75%. Payment example: financed amount $41,000 includes 71 payments of $677.88 and 1 payment of $677.46. |
| up to 78 months | 6.33% | Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 6.25%. Payment example: financed amount $41,000 includes 77 payments of $644.17 and 1 payment of $643.53. |
| up to 84 months | 6.58% | Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 6.50%. Payment example: financed amount $41,000 includes 83 payments of $611.93 and 1 payment of $611.52. |
Sources (1)
- colorado.meritrust.org/auto · captured Oct 22, 2026
Who can join Meritrust Credit Union – Colorado
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not meeting other criteria can join through affiliation with Impact on Education (the primary charity for the Boulder Valley School District) with no additional action required.
Where you live or work
- Eligibility is open to individuals who live or work within Adams, Arapahoe, Broomfield, Boulder, Clear Creek, Delta, Denver, Douglas, Eagle, Elbert, El Paso, Garfield, Grand, Jefferson, Larimer, Mesa, Montrose, Pueblo, Summit, and Weld Counties.
Employers and groups
- Affiliation with one of over 750 partner companies and organizations qualifies for membership.
- Employees or family members of employees of IBM, Ball Corporation, Boulder Community Health, Lexmark, or Medtronic are eligible.
Military, government and schools
- Students, faculty, or staff of the Boulder Valley School District or Westminster Public Schools qualify for membership.
Family and household
- Anyone related to an existing Meritrust account holder is eligible for membership.
Cost to join
- A minimum deposit of $5 is required to establish a membership savings account.
Membership information collected October 4, 2026.