Credit union · NCUA insured
Morehead Community Federal Credit Union Auto Loan Rates
Morehead Community Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Morehead Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Kentucky, where Morehead Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Morehead Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
New Auto Loan
Lowest rate
Signet Federal Credit Union
3.30%APR
- Terms
- —
2nd-lowest rate
Brown Forman Employees Credit Union
3.99%APR
- Terms
- —
Morehead Community Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Morehead Community 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 Auto Loan
Loans up to 100% of purchase price for qualified members. Terms up to 84 months. No penalties for early payoff. Rates based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.00% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
| up to 36 months | 4.25% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
| up to 48 months | 4.50% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
| up to 60 months | 4.75% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
| up to 72 months | 5.25% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
| up to 84 months | 5.75% | New or 1 year old with less than 20,000 miles. Fixed rate; rate based on credit history. |
Used Auto Loan
Loans up to 100% of purchase price for qualified members. Terms up to 84 months. No penalties for early payoff. Rates based on credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Used Auto up to 10 years old. Fixed rate; rate based on credit history. |
| up to 36 months | 4.75% | Used Auto up to 10 years old. Fixed rate; rate based on credit history. |
| up to 48 months | 5.00% | Used Auto up to 10 years old. Fixed rate; rate based on credit history. |
| up to 60 months | 5.25% | Used Auto up to 10 years old. Fixed rate; rate based on credit history. |
| up to 72 months | 5.75% | Used Auto up to 10 years old. Fixed rate; rate based on credit history. |
| up to 84 months | 6.25% | Used Auto up to 10 years old, over $20,000. Fixed rate; rate based on credit history. |
| up to 24 months | 6.50% | Used auto over 10 years old. Fixed rate; rate based on credit history. |
| up to 36 months | 7.00% | Used auto over 10 years old. Fixed rate; rate based on credit history. |
| up to 48 months | 7.50% | Used auto over 10 years old. Fixed rate; rate based on credit history. |
Who can join Morehead Community 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
- Individuals who live, work, worship, attend school, or volunteer in specified Kentucky counties are eligible for membership.
Family and household
- Immediate family members or members of the household of someone who qualifies for membership are eligible.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A share deposit of $5.00 into a Primary Savings Account is required to join and represent a share in the credit union.
Membership information collected October 4, 2026.