Credit union · NCUA insured
Metco Credit Union Auto Loan Rates
Metco Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Metco Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where Metco Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metco Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
AIM Credit Union
4.54%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Metco Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metco 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.
Auto Loan
Available for new, used, and refinance vehicle loans on cars, trucks, or SUVs. Up to 100% financing available (or up to 115% LTV depending on credit history, vehicle age, and condition). Terms up to 84 months. No penalty for early payoff. Rates include a 0.50% APR loyalty discount and require qualifying credit and member relationships.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | 2024-2026 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships. |
| 61–72 months | 5.59% | 2024-2026 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships. |
| 73–84 months | 5.79% | 2024-2026 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships. |
| up to 60 months | 5.24% | 2022-2023 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships. |
| 61–66 months | 5.49% | 2022-2023 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships. |
| up to 48 months | 5.74% | 2019-2021 model years. Available to members with qualifying credit and member relationships. |
| 49–54 months | 5.99% | 2019-2021 model years. Available to members with qualifying credit and member relationships. |
| up to 42 months | 6.09% | 2017-2018 model years. Available to members with qualifying credit and member relationships. |
| 43–48 months | 6.34% | 2017-2018 model years. Available to members with qualifying credit and member relationships. |
| up to 36 months | 8.49% | 2016 & Older model years. Available to members with qualifying credit and member relationships. |
| 37–42 months | 8.74% | 2016 & Older model years. Available to members with qualifying credit and member relationships. |
Sources (4)
All captured Oct 16, 2026
Who can join Metco 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 or work in Linn County or one of the 14 surrounding Iowa counties are eligible for membership.
Employers and groups
- Employees of companies enrolled in Metco's Employee Connect Program are eligible for membership.
Family and household
- Family members of eligible or current members are eligible for membership.
Cost to join
- A minimum deposit of $5.00 into a savings account is required to join Metco Credit Union and become a member-owner.
Membership information collected October 4, 2026.