Credit union · NCUA insured
Metro Credit Union Auto Loan Rates
Top CarrotMetro Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 22, 2026.
How Metro Credit Union’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Metro Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metro Credit Union
4.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Metro Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metro 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 Loans
Auto loans available for new, used, and refinanced vehicles (dealer purchase, private party purchase, lease buyout, auto refinancing). Refinances of existing Metro Credit Union loans are not eligible for advertised rates and terms. Well qualified borrowers are eligible for no payments up to 90 days (interest accrues). Advertised rates assume a 0.50% discount for making automatic payments; if automatic payments stop or are not elected, rates increase / start 0.50% higher. Approval and rate subject to credit qualifications, age of collateral, mileage, loan term, and credit profile.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates as low as for well qualified borrowers. Minimum loan amount $5,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible. |
| up to 48 months | 3.99% | Rates as low as for well qualified borrowers. Minimum loan amount $5,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible. |
| up to 60 months | 4.25% | Rates as low as for well qualified borrowers. Minimum loan amount $5,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible. |
| up to 72 months | 4.50% | Rates as low as for well qualified borrowers. Minimum loan amount $10,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible. |
| up to 84 months | 4.99% | Rates as low as for well qualified borrowers. Minimum loan amount $20,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible. |
Sources (1)
- metrofcu.org/loans/auto-loans · captured Oct 22, 2026
Who can join Metro Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.