Credit union · NCUA insured
Metrum Community Credit Union Auto Loan Rates
Top CarrotMetrum Community Credit Union auto loans start at 5.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 22, 2026.
How Metrum Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Denver, CO, where Metrum Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metrum Community Credit Union
5.14%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New & Used Auto
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
2nd-lowest rate
Climb Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- None included
Metrum Community Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metrum Community 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 Equity (Title Loan)
Use your vehicle title and get a great rate. Approved loan to value is based on credit and application review. New money only; existing MCCU loans not eligible. With approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.14% | Up to 72 months & up to 100% NADA Retail Value. Rate listed is 'As Low As' and includes discounts for term, loan to value and credit score. Subject to credit approval. |
New & Used Auto
Any age of vehicle (vehicles 20 years or older may require an appraisal). Purchased from a dealer or private party. Rates are determined by credit score, loan-to-value, and the loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.14% | Up to 84 months & up to 130% of NADA Retail Value. Rate listed is 'As Low As' and includes discounts for term, loan to value and credit score. Subject to credit approval. |
Sources (3)
All captured Oct 22, 2026
Refinance New & Used Auto
Any age of vehicle (vehicles 20 years or older may require an appraisal). Refinanced from another financial. New money only; existing MCCU loans are not eligible. With approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.14% | Up to 72 months & up to 130% NADA Retail Value. Rate listed is 'As Low As' and includes discounts for term, loan to value and credit score. Subject to credit approval. Promotional mentions include dropping current rate by 1% APR or more and no payments for 90 days. |
Sources (4)
- metrumcu.org/better-auto-loan
- metrumcu.org/new-used-auto-loans
- metrumcu.org/rates
- metrumcu.org/special-offers
All captured Oct 22, 2026
Who can join Metrum Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.