Credit union · NCUA insured
Miami University Community Federal Credit Union Auto Loan Rates
Miami University Community Federal Credit Union auto loans start at 6.49% APR for a new vehicle and 6.24% for a used one. Rates checked October 16, 2026.
How Miami University Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Miami University Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Miami University Community Federal Credit Union
6.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
- Discount
- None included
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Miami University Community Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Miami University Community 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 and Used Auto Loans
Loan up to 115% full NADA retail value plus tax & title. Up to a 7-year repayment. Maximum rate on any loan is 18.00%. Subject to a Loan Processing fee of $95.00 for secured loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 60 months | 6.24% | For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 72 months | 6.49% | For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 84 months | 6.74% | For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 48 months | 6.24% | For 2022-2023 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 60 months | 6.49% | For 2022-2023 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 72 months | 6.74% | For 2022-2023 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 48 months | 7.24% | For 2019-2021 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 60 months | 7.49% | For 2019-2021 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 72 months | 7.74% | For 2019-2021 vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 48 months | 8.24% | For 2018 & older vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
| up to 60 months | 8.49% | For 2018 & older vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments. |
Sources (1)
- muccu.org/loans-and-credit/vehicle-loans · captured Oct 7, 2026
Who can join Miami University Community 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
- Individuals who live, work, worship, or attend school in Butler County are eligible for membership.
Membership information collected October 5, 2026.