Credit union · NCUA insured
Racine Municipal Employees Credit Union Auto Loan Rates
Top CarrotRacine Municipal Employees Credit Union auto loans start at 4.25% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Racine Municipal Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Racine, WI, where Racine Municipal Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Racine Municipal Employees Credit Union
4.25%APR
- Terms
- 36–60 months
- Up to
- 5.00% APR
Auto Loans - New 2026-2027
Lowest rate
MCU Financial Center CU
4.24%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Educators CU
4.80%APR
- Terms
- 36–84 months
- Up to
- —
Racine Municipal Employees Credit Union auto loan score
90
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Racine Municipal Employees 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 - New 2026-2027
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.25%–5.00% | Base APR is 5.00%; rate discounts up to -0.75% available (4.25% - 5.00% APR) |
| up to 76 months | 4.50%–5.25% | Minimum $20K loan amount. Base APR is 5.25%; rate discounts up to -0.75% available (4.50% - 5.25% APR) |
| up to 84 months | 5.25%–6.00% | Minimum $28K loan amount. Base APR is 6.00%; rate discounts up to -0.75% available (5.25% - 6.00% APR) |
Sources (1)
- rmecu.org/lending · captured Oct 7, 2026
Auto Loans - Used 2012-2016
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.75%–7.50% | Base APR is 7.50%; rate discounts up to -0.75% available (6.75% - 7.50% APR) |
| up to 48 months | 6.75%–7.50% | Base APR is 7.50%; rate discounts up to -0.75% available (6.75% - 7.50% APR) |
Sources (1)
- rmecu.org/lending · captured Oct 7, 2026
Auto Loans - Used 2017-2019
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 4.75%–5.50% | Base APR is 5.50%; rate discounts up to -0.75% available (4.75% - 5.50% APR) |
| up to 60 months | 5.00%–5.75% | Base APR is 5.75%; rate discounts up to -0.75% available (5.00% - 5.75% APR) |
Sources (1)
- rmecu.org/lending · captured Oct 7, 2026
Auto Loans - Used 2020-2022
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 4.50%–5.25% | Base APR is 5.25%; rate discounts up to -0.75% available (4.50% - 5.25% APR) |
| up to 60 months | 4.75%–5.50% | Base APR is 5.50%; rate discounts up to -0.75% available (4.75% - 5.50% APR) |
| up to 76 months | 5.50%–6.25% | Minimum $20K loan amount. Base APR is 6.25%; rate discounts up to -0.75% available (5.50% - 6.25% APR) |
Sources (1)
- rmecu.org/lending · captured Oct 7, 2026
Auto Loans - Used 2023-2026
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 4.50%–5.25% | Base APR is 5.25%; rate discounts up to -0.75% available (4.50% - 5.25% APR) |
| up to 76 months | 4.75%–5.50% | Minimum $20K loan amount. Base APR is 5.50%; rate discounts up to -0.75% available (4.75% - 5.50% APR) |
| up to 84 months | 5.50%–6.25% | Minimum $28K loan amount. Base APR is 6.25%; rate discounts up to -0.75% available (5.50% - 6.25% APR) |
Sources (1)
- rmecu.org/lending · captured Oct 7, 2026
Who can join Racine Municipal Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of RYDE Racine Transit are eligible for membership.
Military, government and schools
- Employees and retirees of the City of Racine are eligible for membership.
- Employees and retirees of the County of Racine are eligible for membership.
- Employees and retirees of RUSD and all other Educational Institutions are eligible for membership.
- Employees and retirees of Federal, State, and Municipal Government are eligible for membership.
- Employees and retirees of the Villages of Caledonia & Mt. Pleasant are eligible for membership.
1 more way to join
Family and household
- Immediate family members of qualifying employees and retirees are eligible for membership.
Membership information collected October 5, 2026.