Credit union · NCUA insured
Toledo Metro Federal Credit Union Auto Loan Rates
Toledo Metro Federal Credit Union auto loans start at 4.75% APR for a new vehicle. Rates checked October 16, 2026.
How Toledo Metro Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Toledo, OH, where Toledo Metro Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Toledo Metro Federal Credit Union
4.75%APR
- Terms
- up to 72 months
- Up to
- 12.25% APR
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Millstream Area Credit Union
4.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Cornerstone Community Financial Credit Union
4.69%APR
- Terms
- 40–64 months
- Up to
- —
- Discount
- None included
Toledo Metro Federal Credit Union auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Toledo Metro Federal 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 Loans
APR includes 0.50% discount for Automatic Payments or Direct Deposit. Ask about DRIVE program for credit scores 560-629. Eligible terms depend on vehicle model year (2024-2026 up to 84 months; 2019-2023 up to 72 months; 2016-2018 up to 60 months; 2013-2015 up to 48 months; 2006-2012 up to 36 months).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.75%–12.25% | For terms 72 months or less. Rate range reflects credit scores from A+ (740+ at 4.75%) to D (630-649 at 12.25%). Includes 0.50% discount for Automatic Payments or Direct Deposit. |
| 73–84 months | 5.25%–12.75% | For terms more than 72 months (up to 84 months for model years 2024-2026). Rate range reflects credit scores from A+ (740+ at 5.25%) to D (630-649 at 12.75%). Includes 0.50% discount for Automatic Payments or Direct Deposit. |
Sources (1)
- toledometro.com/loan-rates · captured Oct 16, 2026
Who can join Toledo Metro Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.