Credit union · Privately insured
Mid Cities Credit Union Auto Loan Rates
Mid Cities Credit Union auto loans start at 6.50% APR for a new vehicle and 7.25% for a used one. Rates checked October 16, 2026.
How Mid Cities Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Mid Cities Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid Cities Credit Union
6.50%APR
- Terms
- up to 84 months
- Discount
- None included
New Vehicle Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Mid Cities Credit Union auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.50%
- Used vehicleUsed7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid Cities 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 Loan Promo - New Vehicles
Limited-time auto loan rate promotion for 2025 models or newer. Eligibility requirements: Credit score of 650 or above, no delinquencies in the past 18 months, vehicle must have fewer than 35,000 miles. Offer ends once $500,000 is funded or by end of September, 2025 — whichever comes first. Additional loan underwriting applies.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.50% | 2025 models or newer. Credit score of 650 or above, no delinquencies in past 18 months, vehicle fewer than 35,000 miles. Ends once $500,000 funded or by end of September 2025. |
Sources (1)
- midcitiescu.org/auto-loan-promo · captured Oct 7, 2026
Auto Loan Promo - Used Vehicles
Limited-time auto loan rate promotion for 2022 to 2024 models. Eligibility requirements: Credit score of 650 or above, no delinquencies in the past 18 months, vehicle must have fewer than 35,000 miles. Offer ends once $500,000 is funded or by end of September, 2025 — whichever comes first. Additional loan underwriting applies.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.50% | 2022 to 2024 models. Credit score of 650 or above, no delinquencies in past 18 months, vehicle fewer than 35,000 miles. Ends once $500,000 funded or by end of September 2025. |
Sources (1)
- midcitiescu.org/auto-loan-promo · captured Oct 7, 2026
New Vehicle Loans
Terms up to 84 months for new vehicles. Up to 100% financing including tax and license. Available for new and used cars, trucks, and SUVs for dealer purchases, refinances, private party purchases, and lease buyouts. Subject to credit approval; terms and conditions vary based on collateral, qualification, and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.50% | Experian FICO Score 725 & above. Max loan amount $100,000. Terms up to 84 months. Subject to credit approval. |
Used Vehicle Loans
Terms up to 72 months for pre-owned vehicles. Up to 100% financing including tax and license. Available for new and used cars, trucks, and SUVs for dealer purchases, refinances, private party purchases, and lease buyouts. Subject to credit approval; terms and conditions vary based on collateral, qualification, and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.25% | Experian FICO Score 725 & above. Max loan amount $75,000. Terms up to 72 months. Subject to credit approval. |
Who can join Mid Cities Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Compton, Carson, Paramount, Norwalk, Bellflower, Lynwood, or North Long Beach (Zip code 90805).
Family and household
- Membership is open to immediate family members (mother, father, sister, brother, children, grandchildren, aunt, uncle, grandparents, brother-in-law, sister-in-law, mother-in-law, father-in-law, and significant other) of any existing Mid Cities Credit Union member.
Other ways
- Membership is open to employees of the credit union and members of their immediate families and households.
Cost to join
- A minimum $5 deposit into member savings account is required to maintain membership.
- A one-time non-refundable membership fee of $5 is required.
Membership information collected October 5, 2026.