Credit union · NCUA insured
Mountain Credit Union Auto Loan Rates
Top CarrotMountain Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Mountain Credit Union’s auto loan rates compare
Compared with banks and credit unions near Asheville, NC, where Mountain Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mountain Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
Auto Loan
Lowest rate
Telco Community Credit Union
3.99%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
Mountain Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mountain 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.
Auto Loan
Rates quoted represent the range of rates available. Rates are based on the type of loan, amount of loan and your credit worthiness. Rate and Term are based on an evaluation of credit. Subject to normal underwriting guidelines.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–15.99% | Rates based on type of loan, amount of loan and credit worthiness. Rate and term based on evaluation of credit. |
Sources (1)
- mountaincu.org/rates/loans · captured Oct 4, 2026
Who can join Mountain 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This may be incomplete or out of date, so check with the credit union before you apply.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, or attend school in specific North Carolina counties are eligible for membership.
- Anyone living or working on the Cherokee Indian Reservation is eligible to join.
Military, government and schools
- Federal employees located in 20 western counties of North Carolina or field personnel paid from headquarters offices in those counties are eligible to join.
Family and household
- Family members of any current or former Mountain Credit Union account holder are eligible to open an account.
Membership information collected October 4, 2026.