Credit union · NCUA insured
Meriwest Credit Union Auto Loan Rates
Meriwest Credit Union auto loans start at 5.84% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Meriwest Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where Meriwest Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Meriwest Credit Union
5.84%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto Loans
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Meriwest Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew5.84%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Meriwest 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.
Classic Car Auto Loans
Available for vehicles manufactured between 1950 and 1975 in good to excellent running condition with clean title. Loan amounts range from $15,000 to $100,000; financing up to 85% of appraised value. Terms up to 84 months for vehicles priced at $30,000 or more. No prepayment penalty. Requires full coverage insurance and a one-time non-refundable $5 membership fee. Optional 90-day payment deferral promotion available (interest accrues).
| Terms | APR | Conditions |
|---|---|---|
| 12–24 months | 6.99% | — |
| 25–36 months | 6.99% | — |
| 37–48 months | 7.14% | — |
| 49–60 months | 7.24% | — |
| 61–72 months | 7.39% | — |
| 73–84 months | 7.59% | Terms up to 84 months for vehicles priced at $30,000 or more. |
Sources (2)
All captured Oct 16, 2026
New Auto Loans
Membership requires a one-time non-refundable $5 fee. Minimum loan amount is $5,000. Up to 100% financing on approved credit. Rate discounts up to 1% for full electric vehicles (floor 4.99% APR) and discounts for automatic payments with eStatements. 72-month financing available for loans exceeding $15,000; 84-month for loans exceeding $20,000; 96-month for purchase loans exceeding $30,000. Optional 90-day payment deferral promotion available for direct auto loans (interest accrues). Promotional cash-back bonus may be available for qualifying members.
| Terms | APR | Conditions |
|---|---|---|
| 12–24 months | 4.99% | — |
| 25–36 months | 4.99% | — |
| 37–48 months | 4.99% | — |
| 49–60 months | 5.84% | — |
| 61–72 months | 6.14% | 72-month financing is available for loans exceeding $15,000. |
| 73–84 months | 6.39% | 84-month financing is available for loans exceeding $20,000. |
| 85–96 months | 7.34% | 96-month financing is available for purchase loans exceeding $30,000. |
Sources (3)
All captured Oct 16, 2026
Used Auto Loans
Membership requires a one-time non-refundable $5 fee. Minimum loan amount is $5,000. Rate discounts for automatic payments from Meriwest checking with eStatements. 72-month financing available for loans exceeding $15,000; 84-month for loans exceeding $20,000. Optional 90-day payment deferral promotion available for direct auto loans (interest accrues). Promotional cash-back bonus may be available for qualifying members.
| Terms | APR | Conditions |
|---|---|---|
| 12–24 months | 5.24% | — |
| 25–36 months | 5.24% | — |
| 37–48 months | 5.39% | — |
| 49–60 months | 6.24% | — |
| 61–72 months | 6.64% | 72-month financing is available for loans exceeding $15,000. |
| 73–84 months | 6.84% | 84-month financing is available for loans exceeding $20,000. |
Who can join Meriwest Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.