Credit union · NCUA insured
Metro Federal Credit Union Auto Loan Rates
Metro Federal Credit Union auto loans start at 4.44% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Metro Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Metro Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metro Federal Credit Union
4.44%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Metro Federal Credit Union auto loan score
88
Auto loan score
Higher than 82% of U.S. banks and credit unions
- New vehicleNew4.44%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metro 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.
New Auto
The loan rate applies to New Vehicles only. New Vehicles are those for which you are the original owner and the UNTITLED vehicle is model year 2026 or newer with less than 3,000 miles. Up to 125% financing is available with an added premium. Vehicle weight and mileage restrictions apply. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates are not available to refinance existing METRO loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 48 months | 4.04% | Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 60 months | 4.44% | Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 72 months | 4.84% | Applies to New Vehicles only. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 84 months | 5.24% | Applies to New Vehicles only. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
Used Auto
Metro will determine the Maximum used car loan using a JD Power value. Financing is available up to the JD Power valuation, not to exceed 125%. Up to 125% financing is available with an added premium on vehicles that do not exceed 100,000 miles. Vehicle weight and mileage restrictions apply. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates are not available to refinance existing METRO loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.54% | Model Year 2021-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 48 months | 4.84% | Model Year 2021-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 60 months | 5.24% | Model Year 2021-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 72 months | 5.64% | Model Year 2021-2027. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 84 months | 6.04% | Model Year 2021-2027. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 36 months | 5.04% | Model Year 2016-2020. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 48 months | 5.44% | Model Year 2016-2020. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 60 months | 5.84% | Model Year 2016-2020. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 72 months | 6.24% | Model Year 2016-2020. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 84 months | 6.64% | Model Year 2016-2020. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 36 months | 6.24% | Model Year 2015 & older (less than 180K mi). Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 48 months | 6.64% | Model Year 2015 & older (less than 180K mi). Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 60 months | 7.04% | Model Year 2015 & older (less than 180K mi). Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
Vehicle Title Loan
Maximum loan amount up to 85% loan to value based on JD Power valuation. Vehicle weight and mileage restrictions apply. Up to 125% financing is available with an added premium on vehicles that do not exceed 100,000 miles. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates are not available to refinance existing METRO loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.64% | Model Year 2020-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 48 months | 6.64% | Model Year 2020-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 60 months | 7.14% | Model Year 2020-2027. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
| up to 72 months | 7.64% | Model Year 2020-2027. The minimum loan amount is $20,000 for 72 & 84 months terms. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating. |
Sources (1)
- mcu.org/rates · captured Oct 16, 2026
Who can join Metro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join if you have a business within the community charter and/or regularly conduct business in the community.
- You are eligible to join if you live in the boundaries of METRO's community charter.
- You are eligible to join if you volunteer within the boundaries of METRO's community charter.
- You are eligible to join if you work in the boundaries of METRO's community charter.
- You are eligible to join if you worship or attend school within the boundaries of METRO's community charter.
Employers and groups
- You are eligible to join if you are employed by one of METRO's Sponsoring Employer Groups.
1 more way to join
Family and household
- You are eligible to join if you are an immediate family or household member of an existing METRO Federal Credit Union member.
Cost to join
- Opening an account requires an initial deposit along with a valid ID and proof of eligibility.
Membership information collected October 5, 2026.