Credit union · NCUA insured
MidWest America Federal Credit Union Auto Loan Rates
MidWest America Federal Credit Union auto loans start at 6.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 15, 2026.
How MidWest America Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fort Wayne, IN, where MidWest America Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MidWest America Federal Credit Union
6.49%APR
- Terms
- up to 72 months
- Discount
- None included
New Vehicle Loan
Lowest rate
Public Service Credit Union
4.29%APR
- Terms
- 60–83 months
- Discount
- Included in the rate
2nd-lowest rate
Summit Choice Credit Union
4.39%APR
- Terms
- up to 60 months
- Discount
- None included
MidWest America Federal Credit Union auto loan score
63
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MidWest America 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 Vehicle Loan
Loans are subject to a one-time $49 processing fee. First payment delayed for 90 days option available. Rates and applicant's qualifications may vary. Rate discount of 0.25% available for opening a checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.49% | As low as APR. Example: APR on a $20,000 loan is 6.49% based on a rate of 6.40%, resulting in an approximate payment of $336.09, for a 72 month term. Subject to a one-time $49 processing fee. |
| 73–78 months | 6.98% | As low as APR. Subject to a one-time $49 processing fee. |
Sources (3)
- lending.mwafcu.org/virtualcapture/products
- mwafcu.org/loans/vehicle.shtml
- mwafcu.org/rates/index.shtml
All captured Oct 5, 2026
Used Vehicle Loan (2017 & Older)
Loans are subject to a one-time $49 processing fee. First payment delayed for 90 days option available. Rates and applicant's qualifications may vary. Rate discount of 0.25% available for opening a checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 7.80% | As low as APR. Subject to a one-time $49 processing fee. |
Sources (3)
- lending.mwafcu.org/virtualcapture/products
- mwafcu.org/loans/vehicle.shtml
- mwafcu.org/rates/index.shtml
All captured Oct 5, 2026
Used Vehicle Loan (2018-2020)
Loans are subject to a one-time $49 processing fee. First payment delayed for 90 days option available. Rates and applicant's qualifications may vary. Rate discount of 0.25% available for opening a checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.19% | As low as APR. Subject to a one-time $49 processing fee. |
| 61–66 months | 7.68% | As low as APR. Subject to a one-time $49 processing fee. |
Sources (3)
- lending.mwafcu.org/virtualcapture/products
- mwafcu.org/loans/vehicle.shtml
- mwafcu.org/rates/index.shtml
All captured Oct 5, 2026
Used Vehicle Loan (2021-2023)
Loans are subject to a one-time $49 processing fee. First payment delayed for 90 days option available. Rates and applicant's qualifications may vary. Rate discount of 0.25% available for opening a checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.68% | As low as APR. Subject to a one-time $49 processing fee. |
| 67–72 months | 7.18% | As low as APR. Subject to a one-time $49 processing fee. |
Sources (3)
- lending.mwafcu.org/virtualcapture/products
- mwafcu.org/loans/vehicle.shtml
- mwafcu.org/rates/index.shtml
All captured Oct 5, 2026
Used Vehicle Loan (2024-2026)
Loans are subject to a one-time $49 processing fee. First payment delayed for 90 days option available. Rates and applicant's qualifications may vary. Rate discount of 0.25% available for opening a checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.49% | As low as APR. Subject to a one-time $49 processing fee. |
| 73–78 months | 6.98% | As low as APR. Subject to a one-time $49 processing fee. |
Sources (3)
- lending.mwafcu.org/virtualcapture/products
- mwafcu.org/loans/vehicle.shtml
- mwafcu.org/rates/index.shtml
All captured Oct 5, 2026
Who can join MidWest America 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, or attend school within the designated Allen County Investment Area in Fort Wayne, Indiana are eligible to join.
- Businesses and other legal entities located within the designated Allen County Investment Area in Fort Wayne, Indiana are eligible to join.
Employers and groups
- Employees of MidWest America FCU are eligible to join.
- Employees of a business within the credit union's field of membership are eligible to join.
Family and household
- Family members of employees of MidWest America FCU are eligible to join.
- Persons related to or living within the same household as an employee of a business within the field of membership are eligible to join.
3 more ways to join
Family and household
- Persons related to or living in the same household as someone who lives, works, worships, or attends school in the designated Allen County Investment Area are eligible to join.
- Persons living in the same household (living in the same residence and maintaining the same economic unit) as a member are eligible to join.
- Immediate family members (defined as parents, siblings, stepparents, stepchildren, and adoptive relationships) of an existing member are eligible to join.
Membership information collected October 5, 2026.