Credit union · NCUA insured
MTCU Auto Loan Rates
MTCU auto loans start at 4.75% APR for a new vehicle and 5.58% for a used one. Rates checked October 16, 2026.
How MTCU’s auto loan rates compare
Compared with banks and credit unions near Midland, TX, where MTCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MTCU
4.75%APR
- Terms
- up to 84 months
New Auto
Lowest rate
Heritage USA Federal Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
MTCU auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.58%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MTCU 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.
Collateral Loans New or Used (Non Purchase)
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.45% | — |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 6, 2026
New Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | — |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 6, 2026
Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.58% | — |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 6, 2026
Who can join MTCU
This may be incomplete or out of date, so check with the credit union before you apply.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 do business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, or Upton are eligible to join MTCU.
Cost to join
- Joining MTCU requires a minimum deposit of $25 into a savings account.
Membership information collected October 5, 2026.