Vehicle Loans
Competitively low loan rates on new and used automobiles and motorcycles with terms and payment options to fit any budget.
2024 & Newer Automobiles and Motorcycles
| Term | APR* | Payment per $1,000 |
|---|---|---|
| 36 Months | 3.49% | $29.29 |
| 48 Months | 3.49% | $22.35 |
| 60 Months | 3.49% | $18.18 |
| 72 Months | 3.49% | $15.41 |
| 84 Months*** | 6.24% | $14.72 |
*Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts > $40,000
*** .25% reduction for loans set up on auto pay from MCU Savings/Checking (84-month term only)
****Internal refinances subject to $250 one-time fee
2018 - 2023 Automobiles and Motorcycles
| Term | APR* | Payment per $1,000 |
|---|---|---|
| 36 Months | 4.99% | $29.96 |
| 48 Months | 5.24% | $23.13 |
| 60 Months | 5.49% | $19.09 |
| 72 Months | 5.74% | $16.45 |
| 84 Months | 7.74% | $15.45 |
*Rates are based on credit scores. Excludes MCU refinances.
** 84 month-term is limited to loan amounts > $30,000
*** .25% reduction for loans set up on auto pay from MCU Savings/Checking (84-month term only)
****Internal refinances subject to $250 one-time fee
2017 & Older Automobiles and Motorcycles
| Term | APR* | Payment per $1,000 |
|---|---|---|
| 36 Months | 8.99% | $31.79 |
| 48 Months | 9.49% | $25.11 |
| 60 Months | 9.99% | $21.24 |
| 72 Months | 10.49% | $18.77 |
*Rates are based on credit scores. Excludes MCU refinances.
**72 month loans limited to >$20,000
*** .25% reduction for loans set up on auto pay from MCU Savings/Checking (All terms)
****Internal refinances subject to $250 one-time fee.
