Credit union · NCUA insured
My Community Credit Union Auto Loan Rates
My Community Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How My Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Midland, TX, where My Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
My Community Credit Union
5.49%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Heritage USA Federal Credit Union
3.99%APR
- Terms
- —
2nd-lowest rate
Complex Community Federal Credit Union
4.70%APR
- Terms
- —
My Community Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where My Community 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 Loans
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as 4.99% APR with customized terms. |
| — | 5.24% | Rates as low as 5.24% APR for new or used vehicles. |
| up to 36 months | 5.24% | New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness. |
| up to 60 months | 5.49% | New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness. |
| up to 72 months | 5.74% | New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness. |
| up to 36 months | 5.49% | Used vehicles (model years 2026 - 2022). Collateral subject to approval. Rates based on creditworthiness. |
| up to 60 months | 5.74% | Used vehicles (model years 2026 - 2022). Collateral subject to approval. Rates based on creditworthiness. |
| up to 72 months | 5.99% | Used vehicles (model years 2026 - 2022). Collateral subject to approval. Rates based on creditworthiness. |
| up to 36 months | 6.04% | Used vehicles (model years 2021 - 2020). Collateral subject to approval. Rates based on creditworthiness. |
| up to 60 months | 6.04% | Used vehicles (model years 2021 - 2020). Collateral subject to approval. Rates based on creditworthiness. |
| up to 72 months | 7.24% | Used vehicles (model years 2021 - 2020). Collateral subject to approval. Rates based on creditworthiness. |
| up to 36 months | 7.09% | Used vehicles (model years 2019 and older). Collateral subject to approval. Rates based on creditworthiness. |
| up to 60 months | 7.64% | Used vehicles (model years 2019 and older). Collateral subject to approval. Rates based on creditworthiness. |
Sources (3)
All captured Oct 6, 2026
Who can join My Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County is eligible for membership.
Family and household
- Immediate family members of anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County are eligible for membership.
Cost to join
- Joining requires depositing $5 into a savings account.
Membership information collected October 5, 2026.