Credit union · NCUA insured
Multi-States Credit Union Auto Loan Rates
Multi-States Credit Union auto loans start at 3.49% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Multi-States Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MO, where Multi-States Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Multi-States Credit Union
3.49%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loan
2nd-lowest rate
America's Credit Union
4.40%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
3rd-lowest rate
Educational Community Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
Multi-States Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Multi-States 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
Effective September 30, 2026. Rates subject to change. Terms may be based on credit score, model year and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.49% | Model year 2025-2026. Up to 7 years. Low as rate is based on a 3 year term. Term is based on year of vehicle. Terms may be based on credit score, model year and mileage. |
Sources (1)
- mymscu.com/current-rates · captured Oct 5, 2026
Used Auto Loan
Effective September 30, 2026. Rates subject to change. Terms may be based on credit score, model year and mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.24% | Model year 2024 and older. Up to 6 years. Low as rate is based on a 5 year term. Terms may be based on credit score, model year and mileage. |
Sources (1)
- mymscu.com/current-rates · captured Oct 5, 2026
Who can join Multi-States Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, affiliates, volunteers, and other groups associated with Mercy Health System.
Family and household
- Membership is open to families of Mercy Health System employees, affiliates, and volunteers.
Cost to join
- Purchase one $10 share to deposit into main savings account, which must remain on deposit at all times for membership.
Membership information collected October 4, 2026.