Credit union · NCUA insured
Midstate Federal Credit Union Auto Loan Rates
Midstate Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Midstate Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Midstate Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Midstate Federal Credit Union
5.24%APR
- Terms
- up to 84 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Midstate Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midstate 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.
Motorcycle Loans
100% financing; several term options; terms to fit your budget; no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| — | 8.00% | New motorcycle rate quoted for lowest tier, if qualified. Rates may vary and are subject to change at any time. |
| — | 9.50% | Used motorcycle rate quoted for lowest tier, if qualified. Rates may vary and are subject to change at any time. |
Sources (2)
All captured Oct 4, 2026
New & Used Auto Loans
100% financing available; terms up to 84 months; no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.24% | Rates as low as 5.24% APR quoted for the lowest tier, if qualified. Rates may vary and are subject to change. Up to 100% financing available. |
Sources (3)
- midstatefcu.org
- midstatefcu.org/products-services/loans
- midstatefcu.org/products-services/savings-loan-rates
All captured Oct 4, 2026
Who can join Midstate 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, attend school, own businesses, or own other legal entities in the Borough of Carteret, New Jersey, and Union County are eligible to join.
Employers and groups
- Businesses located in the Borough of Carteret, New Jersey, and Union County may join and have their employees become members.
Membership information collected October 5, 2026.