Credit union · NCUA insured
Midwestern State University Credit Union Auto Loan Rates
Midwestern State University Credit Union auto loans start at 6.25% APR for a new vehicle and 6.75% for a used one. Rates checked October 16, 2026.
How Midwestern State University Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Midwestern State University Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Midwestern State University Credit Union
6.25%APR
- Terms
- 36–72 months
- Up to
- 17.25% APR
New Auto (2024-2025)
Lowest rate
Windthorst Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Union Square Credit Union
5.74%APR
- Terms
- up to 60 months
- Up to
- 17.49% APR
Midwestern State University Credit Union auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midwestern State University 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.
2018 & Older
Used auto loan. Rates use declining balance method. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.00%–18.00% | Base rate is 9.00%. |
2020 - 2019
Used auto loan. Rates use declining balance method. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.00%–18.00% | Base rate is 8.00%. |
2021
Used auto loan. Rates use declining balance method. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 6.75%–17.75% | Base rate is 7.75%. |
2023/2022 (1 Year)
Used auto loan. Rates use declining balance method. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.75%–17.75% | Base rate is 7.75%. |
New Auto (2024-2025)
Rates use declining balance method. Special promotion: New Auto Loans can get an extra 1% off approved rate with approved credit. No penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 6.25%–17.25% | Base rate is 7.25%. New Auto Loans can get an extra 1% off approved rate with approved credit. |
| up to 84 months | 6.75%–17.75% | Base rate is 7.75%. New Auto Loans can get an extra 1% off approved rate with approved credit. |
Who can join Midwestern State University Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- All Midwestern State University graduates and life-time members of the MSU Alumni Association are eligible to join.
- All full-time campus ministers of recognized Bible chairs and their full-time employees are eligible to join.
- Full-time, benefit-eligible employees of Midwestern State University are eligible to join.
- Teaching Assistants (TAs) of the University, as well as part-time faculty and part-time staff under contract and benefit eligible, are eligible to join.
- All ROTC Cadre and all full-time civil service employees of the ROTC unit at the University are eligible to join.
- Students who are officially accepted and attending Midwestern State University are eligible to join.
2 more ways to join
Military, government and schools
- All full-time (benefit-eligible) Administration, Faculty, classified, and At-will employees of Vernon College (including all branches) are eligible to join.
Family and household
- Members of the family of eligible persons are eligible for membership.
Cost to join
- Joining requires payment of a $1.00 non-refundable membership fee.
- New members must purchase at least one share for $25.00 to establish an account.
Membership information collected October 5, 2026.