Credit union · NCUA insured
Mid-Island FCU Auto Loan Rates
Mid-Island FCU auto loans start at 4.00% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Mid-Island FCU’s auto loan rates compare
Compared with banks and credit unions in United States Virgin Islands, where Mid-Island FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mid-Island FCU
4.00%APR
- Terms
- —
- Discount
- Included in the rate
New Vehicles
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Christiansted Federal CU
5.00%APR
- Terms
- up to 84 months
- Discount
- None included
Mid-Island FCU auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.00%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mid-Island FCU 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 Vehicles
Maximum amount $35,000.00. Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Subject to change at any time. Requires membership, two local government-issued photo IDs, social security card, job letter (employed for one consecutive year), recent pay stubs/verification, proof of residence, bill of sale, and 10% security deposit.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Maximum loan amount is $35,000.00. |
Sources (2)
All captured Oct 14, 2026
Title Loans
Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Rates are subject to change at any time. |
Sources (1)
- midislandfcu.org/loans/loan-rates · captured Oct 14, 2026
Used Vehicles
Vehicles up to 5 years old. Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Subject to change at any time. Requires membership, two local government-issued photo IDs, social security card, job letter (employed for one consecutive year), recent pay stubs/verification, proof of residence, bill of sale, and 10% security deposit.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Up to 5 years old. Rates shown reflect maximum discounts available and are based on individual's creditworthiness. |
Sources (2)
All captured Oct 14, 2026
Who can join Mid-Island FCU
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, or worships in the Mid-Island area of St. Croix.
Family and household
- Family members related by blood, marriage, or adoption to a member are eligible to join.
Cost to join
- A minimum deposit of $25.00 is required upon opening and maintaining a share/savings account for membership.
- A $5.00 one-time membership fee is due at the time of opening a share/savings account.
Membership information collected October 4, 2026.