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 5.74% 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.
*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 credit union for details. Federally insured by NCUA.
Keys to Appreciation
Special Auto Loan Rate Discount for Educators & School System Staff
Because educators and school staff go the extra mile every day, it’s our turn to give back. Members Credit Union is offering an exclusive 0.25% rate discount on all auto loans — whether you're purchasing a new or used vehicle, or refinancing an existing one.
This limited-time offer is available to teachers, school staff, and anyone working within the school system, including those in public, private, and early education.
How to Qualify
This offer is available to:
Current Members
Or individuals eligible for membership — anyone who lives, works, studies, or worships in Fairfield County, CT and open a Primary Savings Account with a minimum of $5,00
To verify eligibility, educators & School Staff must provide:
A valid school ID or badge, or
A school-issued email address or a letter of employment.
Visit us at our office at 612 Bedford St, Stamford, or call or text us at (203) 622-6050 with any questions.
Let us help you drive forward, with extra savings just for you!
Hurry, this offer ends on June 30, 2025
*APR = Annual Percentage Rate. The promotional 0.25% rate discount is available for current members or qualified borrowers who are eligible for our membership and who are employed in the school system, including teachers, administrators, and staff at public, private, or early education institutions. Borrowers must provide proof of employment (school ID, badge, school email address, or letter of employment). Loan rates may vary depending on each individual’s creditworthiness, history, and underwriting factors. A credit check is required. All loans are subject to credit approval and standard underwriting guidelines. Offer applies to new and used auto loans or external auto loan refinances only. Internal MCU refinances are not eligible for this promotion. Membership eligibility is required. Offer is subject to change without notice. Federally insured by NCUA.
Our Best Auto Loan Features
Competitive Rates
With rates as low as 5.74%*, 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.
More Questions?
If you have other questions be sure to reach out to us via email at dreamsprosper@memberscu.coop or give us a call or text us at 203-622-6050.
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!