Credit union · NCUA insured
Northwest Missouri Regional Credit Union Auto Loan Rates
Northwest Missouri Regional Credit Union auto loans start at 7.00% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How Northwest Missouri Regional Credit Union’s auto loan rates compare
Compared with banks and credit unions near Maryville, MO, where Northwest Missouri Regional Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northwest Missouri Regional Credit Union
7.00%APR
- Terms
- up to 74 months
- Up to
- 16.50% APR
New Autos, 100% Financed
Lowest rate
Connections Bank
5.99%APR
- Terms
- —
- Up to
- —
Northwest Missouri Regional Credit Union auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northwest Missouri Regional 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 Autos, 100% Financed
100% financing conditions apply; rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 74 months | 7.00%–16.50% | Base rate 8.5% APR. Term and APR vary depending on credit worthiness. |
| up to 62 months | 4.99% | Special promotional rate on New or Used 2026-2023 models. Requires a credit score of 675 or higher. Not available on existing NWMRCU loans. Payment example: 62 monthly payments of $18.33 per $1,000 borrowed. |
| — | 7.00% | As low as rate for new auto loans. |
Used Autos, 2010 & Older
Rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 32 months | 13.75%–23.25% | Base rate 15.25% APR. |
| up to 62 months | 6.99% | Special promotional rate on 2017 & older models. Requires credit score of 675 or higher. Payment example: 62 monthly payments of $19.26 per $1,000 borrowed. Not available on existing NWMRCU loans. |
Used Autos, 2011-2017
Rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 38 months | 11.00%–20.50% | Base rate 12.50% APR. |
| up to 44 months | 11.00%–20.50% | Loan over $15,000. Base rate 12.50% APR. |
| up to 62 months | 6.99% | Special promotional rate on 2017 & older models. Requires credit score of 675 or higher. Payment example: 62 monthly payments of $19.26 per $1,000 borrowed. Not available on existing NWMRCU loans. |
Used Autos, 2018-2020
Rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 44 months | 8.25%–17.75% | Base rate 9.75% APR. |
| up to 50 months | 8.50%–18.00% | Loan Over $10,000. Base rate 10.0% APR. |
| up to 56 months | 8.50%–18.00% | Loan Over $15,000. Base rate 10.0% APR. |
| up to 62 months | 7.00% | Special promotional rate on 2022-2018 models. Requires borrower(s) to have a credit score of 675 or higher. Payment example: 62 monthly payments of $19.27 per $1,000 borrowed. Not available on existing NWMRCU loans. Promo may end at any time. |
Used Autos, 2021-2022
Rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 50 months | 8.00%–17.50% | Base rate 9.5% APR. |
| up to 56 months | 8.00%–17.50% | Loan Over $10,000. Base rate 9.5% APR. |
| up to 62 months | 8.00%–17.50% | Loan Over $20,000. Base rate 9.5% APR. |
| up to 62 months | 7.00% | Special promotional rate on 2022-2018 models. Requires borrower(s) to have a credit score of 675 or higher. Payment example: 62 monthly payments of $19.27 per $1,000 borrowed. Not available on existing NWMRCU loans. Promo may end at any time. |
Used Autos, 2023-2025
Rates and allowable terms based on creditworthiness. Not available on existing NWMRCU loans for promotional rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 62 months | 7.50%–17.00% | Base rate 9.0% APR. |
| up to 68 months | 7.50%–17.00% | Loan Over $30,000. Base rate 9.0% APR. |
| up to 62 months | 6.00% | Special promotional rate on New or Used 2027-2023 models. Requires borrower(s) to have a credit score of 675 or higher. Payment example: 62 monthly payments of $18.80 per $1,000 borrowed. Not available on existing NWMRCU loans. Promo may end at any time. |
Vintage Autos 1990 & Older
For vintage/antique autos over 35 years old (1990 & older). Rates and allowable terms based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 26 months | 6.99%–16.49% | Loan $0 — $5,000. Base rate 8.49% APR. |
| up to 38 months | 6.99%–16.49% | Loan $5,001 — $7,500. Base rate 8.49% APR. |
| up to 50 months | 6.99%–16.49% | Loan $7,501 — $12,500. Base rate 8.49% APR. |
| up to 62 months | 6.99%–16.49% | Loan $12,501 & Above. Base rate 8.49% APR. |
Who can join Northwest Missouri Regional Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who resides or works in Nodaway, Andrew, Atchison, Gentry, Holt, and Worth Counties in Missouri.
Employers and groups
- Membership is open to employees working at any of the school districts in 19 surrounding counties of Northwest Missouri: Andrew, Atchison, Buchanan, Caldwell, Carroll, Clay, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Holt, Livingston, Mercer, Nodaway, Platte, Ray, and Worth.
Military, government and schools
- Membership is open to current students, alumni, employees, emeritus faculty, and retired teachers of the private and state schools in the Northwest Missouri State University district as described in Missouri statutes.
Family and household
- Membership is open to immediate family members of qualified Northwest Missouri State University district school groups and residents/workers of Nodaway, Andrew, Atchison, Gentry, Holt, and Worth Counties.
- Membership is open to relatives of employees working at any of the school districts in 19 surrounding counties of Northwest Missouri: Andrew, Atchison, Buchanan, Caldwell, Carroll, Clay, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Holt, Livingston, Mercer, Nodaway, Platte, Ray, and Worth.
Cost to join
- Opening membership requires a share account deposit of at least $25.00.
- A one-time membership fee of $1.00 is required upon joining.
Membership information collected October 4, 2026.