Credit union · NCUA insured
Met Tran Federal Credit Union Auto Loan Rates
Met Tran Federal Credit Union auto loans start at 5.30% APR for a new vehicle and 5.30% for a used one. Rates checked October 16, 2026.
How Met Tran Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Met Tran Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Met Tran Federal Credit Union
5.30%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- None included
New Auto
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Met Tran Federal Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.30%
- Used vehicleUsed5.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Met Tran 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.
Motorcycle Loan
No vehicle > 7 years of age. Miles not to exceed 100k. Max rate 18%. Max LTV 95%–100%. Base rate calculated by Cornerstone League Loan Pricing Guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–18.00% | Credit score tiers from 730+ (A+) at 5.25% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 48 months | 5.65%–18.00% | Credit score tiers from 730+ (A+) at 5.65% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 60 months | 6.05%–18.00% | Credit score tiers from 730+ (A+) at 6.05% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 72 months | 6.45%–18.00% | Credit score tiers from 730+ (A+) at 6.45% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 84 months | 6.85%–18.00% | Credit score tiers from 730+ (A+) at 6.85% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
Sources (1)
- mettranfcu.org/lending.php · captured Oct 16, 2026
New Auto
Max term 72 months. No auto > 7 years of age. Miles not to exceed 100,000. Rate discounts available for A, B, C Paper: Payroll Deduction (-0.25%), Direct Deposit (-0.25%), Certificate of Deposit (-0.25%), MasterCard (-0.25%). Max rate 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–18.00% | Credit score tiers from 730+ (A+) at 4.50% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 48 months | 4.90%–18.00% | Credit score tiers from 730+ (A+) at 4.90% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 60 months | 5.30%–18.00% | Credit score tiers from 730+ (A+) at 5.30% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 72 months | 5.70%–18.00% | Credit score tiers from 730+ (A+) at 5.70% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
Sources (1)
- mettranfcu.org/lending.php · captured Oct 16, 2026
Used Auto
Max term 60 months. No auto > 7 years of age. Miles not to exceed 100,000. Rate discounts available for A, B, C Paper: Payroll Deduction (-0.25%), Direct Deposit (-0.25%), Certificate of Deposit (-0.25%), MasterCard (-0.25%). Max rate 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–18.00% | Credit score tiers from 730+ (A+) at 4.50% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 48 months | 4.90%–18.00% | Credit score tiers from 730+ (A+) at 4.90% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
| up to 60 months | 5.30%–18.00% | Credit score tiers from 730+ (A+) at 5.30% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%. |
Sources (1)
- mettranfcu.org/lending.php · captured Oct 16, 2026
Who can join Met Tran Federal Credit Union
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