Credit union · NCUA insured
MTC Federal Credit Union Auto Loan Rates
MTC Federal Credit Union auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How MTC Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where MTC Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MTC Federal Credit Union
5.75%APR
- Terms
- up to 60 months
- Up to
- —
New & Used Vehicle Loans
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
MTC Federal Credit Union auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MTC 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.
Auto Loan Limited Time Refinance Offer
Offer limited to new or current members with existing loans at other financial institutions. Reduce rate by 1.00% APR with rates as low as 2.45% APR. Cash back up to $200 based on loan amount. No payment for 90 days. Member must provide proof of current APR.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.45% | Reduce rate by 1.00% APR; rates can be as low as 2.45% APR. Cash back up to $200 credited to primary applicant's savings account. No payment for 90 days. Offer limited to loans from other financial institutions. Proof of current APR required. |
Sources (1)
- mtcfederal.com/articles/auto-l…ted-time-refinance-offer · captured Oct 22, 2026
Auto Loan Refinancing
Membership eligibility required. Loans subject to credit approval. Terms from 24-84 months. Plans include up to 90 days before first payment is due. Rates based on applicant's credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 36 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 48 months | 5.00% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 60 months | 5.75% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 72 months | 6.75% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 84 months | 8.00% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/auto-loan-refinancing · captured Oct 22, 2026
Auto Refi Special
Valid for refinances from non-MTC Federal lenders only. MTC Federal will beat current auto loan rate by 1.5% (or better), or receive $200 cash back. Minimum rate of 4.25% APR. Remaining term must be >= 24 months, transferring loan cannot be extended more than 3 months. Up to 90-day payment deferral available.
| Terms | APR | Conditions |
|---|---|---|
| 24+ months | 4.25% | Minimum rate of 4.25% APR; beats current auto loan rate by 1.5% or better, or $200 cash incentive when refinancing at current terms. Loan balance must be $10,000 or higher; remaining term >= 24 months. Term cannot be extended more than 3 months. Valid for refinances from non-MTC Federal lenders only. 90-day payment deferral available. |
Sources (1)
- mtcfederal.com/auto-refi · captured Oct 22, 2026
Motorcycle Loans
Rates effective as of October 22, 2026. Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.75% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
| up to 36 months | 6.75% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
| up to 48 months | 7.25% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
| up to 60 months | 8.00% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
| up to 72 months | 9.00% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
| up to 84 months | 10.25% | Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/loan-rates · captured Oct 22, 2026
New & Used Vehicle Loans
Rates effective as of September 1, 2026. Flexible terms 24-84 months. Up to 90 days before first payment. Membership eligibility and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | — |
| up to 36 months | 4.50% | — |
| up to 48 months | 5.00% | — |
| up to 60 months | 5.75% | — |
| up to 72 months | 6.75% | — |
| up to 84 months | 8.00% | — |
Sources (1)
- mtcfederal.com/vehicle-loan · captured Oct 22, 2026
New Auto Loans
Membership eligibility required. Loans subject to credit approval. Flexible terms 24-84 months. Up to 90 days before first payment. Rate depends on creditworthiness and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/auto-loan-refinancing · captured Oct 22, 2026
Used Auto Loans
Membership eligibility required. Loans subject to credit approval. Flexible terms 24-84 months. Up to 90 days before first payment. Rate depends on creditworthiness and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/auto-loan-refinancing · captured Oct 22, 2026
Vehicle Loan
Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. Up to 90 days to make first payment. Flexible terms from 24-48 mos.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.70% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
| up to 36 months | 5.70% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
| up to 48 months | 5.95% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
| up to 60 months | 6.20% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
| up to 72 months | 6.95% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
| up to 84 months | 7.95% | Loan rates are based upon applicant's credit worthiness and may vary from those shown. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/ad/vehicle-loan · captured Oct 22, 2026
Vehicle Loans - Auto Loans
Rates effective as of October 22, 2026. Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 36 months | 4.50% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 48 months | 5.00% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 60 months | 5.75% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 72 months | 6.75% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
| up to 84 months | 8.00% | Loan rates are based upon applicant's credit worthiness and may vary. Additional discounts may be available. |
Sources (1)
- mtcfederal.com/loan-rates · captured Oct 22, 2026
Vehicle Refi Special
Valid for refinances from non-MTC Federal lenders only. Beat rate by 1.5% or receive $200 cash back. Minimum rate of 4.25% APR. Remaining term >= 24 months. 90-day payment deferral available.
| Terms | APR | Conditions |
|---|---|---|
| 24+ months | 4.25% | Minimum rate of 4.25% APR; beats current auto loan rate by 1.5% or better, or $200 cash back. Loan balance must be $10,000 or higher; remaining term >= 24 months. Term cannot be extended more than 3 months. Valid for refinances from non-MTC Federal lenders only. 90-day payment deferral available. |
Sources (1)
- mtcfederal.com/beat-your-rate · captured Oct 22, 2026
Who can join MTC 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
- Residents in specific geographic regions, including Carter County, Oklahoma, and parts of Greenville, Anderson, and Pickens counties in South Carolina, are eligible to join.
Employers and groups
- Eligible inpatriates, expatriates, and international employees working in the United States for one of MTC Federal's current business partners are eligible for membership.
- Employees and contractors of MTC Federal preferred employee groups (PEGs) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, parents, grandparents, grandchildren, and siblings) and household members of living or deceased credit union members are eligible to join.
Other ways
- Anyone outside the geographic eligibility areas can become eligible by joining Friends of the Foundation through the Carolinas Credit Union Foundation.
Cost to join
- Membership is established by opening a Share Savings account with a $50 initial deposit.
Membership information collected October 4, 2026.