Auto Loans

Hit the road with confidence — we’ll help you get there.

Whether you're purchasing a new or used vehicle, or looking to refinance and save, Members Credit Union offers flexible auto loan options designed to fit your life and your budget.

We proudly support first-time car buyers, youth members building credit, and anyone looking to refinance for a better rate or lower monthly payment. No matter where you are in your financial journey, we’re here to help you drive forward with:

Competitive rates as low as 4.99% APR*

Flexible terms to fit your needs
New, used, and refinance options available
No Social Security number? No problem. Our auto loans are available to all our members, including ITIN (Tax ID) holders. If you have a Tax ID instead of a Social Security number, we can still help you apply and get approved.

Drive Into Summer – Low Rates,

Big Adventures!

Summer is for road trips, beach days, and making memories with those who matter most. But the right car—and the right financing—can make all the difference in how far you go.

Whether you're buying a new or used vehicle or looking to refinance your current loan, our auto loan rates starting at just 4.99% APR* can help you save and travel with peace of mind.

*APR = Annual Percentage Rate. Rate advertised based on a 60-month term vehicle purchase with pre-approval. Rates are also available for other terms. Rates may vary depending on each individual’s creditworthiness, history, and underwriting factors. Refinances of current MCU auto loans are not eligible. Membership eligibility required. Credit terms and conditions apply. Offer is subject to change without notice. See the credit union for details. Federally insured by NCUA.

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Our Best Auto Loan Features

Competitive Rates

With rates as low as 4.99%*, Members CU offers fair and affordable auto rates. These rates remain the same for both new and used vehicles for 2018–2025 models. Check our current Auto Loan Rates.

Pre Approved Loans

We will also discount 0.25% off your rate for vehicle purchase pre-approval. Going with a pre-approval will also save time and money.

Resources

View our loan calculator to see how we can save you money on your financing, then visit Everything Automotive to learn everything about the cars that you are interested in purchasing, find the models that you are looking for, tips on how to negotiate your best price, and contact us or apply on line for pre-approval and save an additional .25% off your rate! We even offer ancillary products at a much lower cost than the dealer, including GAP and mechanical breakdown.

Damaged Credit? We Can Help!

We can often finance a vehicle for you when other lenders won’t with our Cars to Work program. We understand that everyone's situation is different. Let us see if we can get you to work in a reliable car.

Already have an auto loan with another lender?

Refinancing with MCU is easy and can often save you hundreds, or even thousands, of dollars in interest from your current loan while decreasing the length of the loan.

First-Time Car Buyer?

If this is your first purchase or if you had a bad experience in the past, we can guide you through the process and make it more pleasant.

Everything Automotive

Do you know it takes the average buyer 2-3 months to choose their new or used vehicle? Now you can shop from the comfort of your own home on Everything Automotive. Compare makes and models, available vehicles and dealers. Even take a virtual test drive. Apply for your auto loan before you go to the dealer and receive .25% off of your already low MCU rate. Restrictions apply. Visit Everything Automotive today!