Credit union · NCUA insured
Mutual 1st Federal Auto Loan Rates
Mutual 1st Federal auto loans start at 6.24% for a used one. Rates checked October 22, 2026.
How Mutual 1st Federal’s auto loan rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Mutual 1st Federal has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Mutual 1st Federal
– –
- Terms
- —
No ongoing APR published
Lowest rate
Kellogg Credit Union
3.24%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Mutual 1st Federal auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mutual 1st Federal 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 Car Loan
Applies to current and previous model year (2025 and 2026) vehicles where the car has only been owned by the manufacturer or dealer and the title has never been in a person's name. Membership eligibility requires living, working, worshipping, or attending school in Omaha or the surrounding area. First payment is not due for 45 days. Add .25% to the rate for payments that are not deducted from a Mutual 1st Federal account with direct deposit. APR based on credit rating, vehicle year, loan to value, and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Available for 36-month loans on model years 2025 or newer. Example: $20,000 auto loan at 4.99% interest rate for 36 months with a $100 origination fee has a 5.24% APR and monthly payment of $460.47. Add .25% to the rate for payments not deducted from a Mutual 1st Federal account with direct deposit. |
Sources (1)
- mutualfirst.com/banking/personal-banking/auto-loans · captured Oct 5, 2026
Used Car Loan
Applies to previously owned vehicles up to 10 model years (model years 2016 - 2024). Membership eligibility requires living, working, worshipping, or attending school in Omaha or the surrounding area. First payment is not due for 45 days. Add .25% to the rate for payments that are not deducted from a Mutual 1st Federal account with direct deposit. APR based on credit rating, vehicle year, loan to value, and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24% | Available for 60 months on used vehicles, model years 2016 - 2024. Example: $20,000 auto loan at 5.99% interest rate for 60 months with a $100 origination fee has a 6.24% APR and monthly payment of $469.58. Add .25% to the rate for payments not deducted from a Mutual 1st Federal account with direct deposit. |
Sources (1)
- mutualfirst.com/banking/personal-banking/auto-loans · captured Oct 5, 2026
Who can join Mutual 1st Federal
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.