Credit union · NCUA insured
Mid American Credit Union Auto Loan Rates
Mid American 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 Mid American Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wichita, KS, where Mid American Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid American Credit Union
4.99%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
New/Used Auto Loans
Lowest rate
Andover State Bank
4.70%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
White Eagle Credit Union
4.90%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Mid American Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 Mid American 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.
Motorcycle & ATV/UTV Loans
Loans for motorcycles and ATVs/UTVs. Payment terms up to 72 months. Rates include a 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Model year New to 2022. Up to 72 months (p28) / Up to 63 months (p31). As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment. Actual rate based on credit history and mileage. |
| up to 63 months | 6.24% | Model year 2021 to 2017. Up to 63 months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment. Actual rate based on credit history and mileage. |
Sources (2)
All captured Oct 16, 2026
New/Used Auto Loans
Loans for new and used vehicles (autos, pickups, SUVs). Payment terms up to 84 months for autos. Rates include a 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.99% | Model year New to 2022. Up to 63 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage. |
| 64–75 months | 5.24% | Model year New to 2022. 64 to 75 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage. |
| up to 84 months | 6.24% | Model year New to 2022. 84 months. Minimum financed amount of $35,000.00, 50,000 miles or less. Promotional APR applies only to loans new to Mid American Credit Union (new or used purchases and refinanced auto loans from another financial institution; existing MACU loans not eligible). Rate includes 0.25% discount for automatic electronic loan payment or 20% down payment. |
| up to 48 months | 4.99% | Model year 2016 and Older. Up to 48 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage. |
Sources (2)
All captured Oct 16, 2026
Who can join Mid American 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, or worship in one of the 42 served Kansas counties are eligible to join.
Employers and groups
- Members of Consumer United Program and employees of a company that is a member of Consumer United Program are eligible to join.
- Employees and retirees of a company or organization with a permanent office in the state of Kansas are eligible to join.
Family and household
- Family members of a Mid American Credit Union member (spouse, parent, stepparent, grandparent, child, step-child, foster child, sibling, grandchild or former spouse) are eligible to join.
Cost to join
- Membership requires opening a Basic Membership Savings Account and making a small deposit.
Membership information collected October 4, 2026.