New and Used Auto Loans Great rate for all credit scores.
Apply for an Auto Loan
Bring your auto loan to Members 1st Credit Union and if we cannot beat your current auto rate by 2%*, we'll give you up to $500* when you refinance your loan with Members 1st. Cash awards are based on the following loan amount tiers: $5,000-$19,999 loan receives $100, $20,000-$49,999 loan receives $200, and $50,000 or more loan receives $500.
APR** as low as Fixed
Terms up to
Features and Benefits
No early payoff fees
No application or processing fees
Fast approval process
Affordable protection plans (Guaranteed Auto Protection and Major Mechanical Protection)
Easy online, mobile, and in-branch access to your account.
How much will my automobile loan payment be? Click Here for the loan calculator
Need to determine the value of a vehicle you are selling or want to buy? Click Here for Kelly Blue Book Click Here for NADA Guide
Want to find out if that new car is really a good buy or a lemon? Click Here for Car Fax
**The 2% discount will be applied to the interest rate and will only be offered on loans that meet credit union underwriting criteria. The total rate, including the discount and any other discounts, is subject to a current floor rate of 2.75% APR**. If Members 1st cannot beat your current vehicle loan rate by 2%, we will credit up to $500 to your credit union account based on the following loan amount tiers: $5,000-$19,999 receives $100, $20,000-$49,999 receives $200, and $50,000 or more receives $500. Credits may be applied up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process.
**APR = Annual Percentage Rate. Auto loan proceeds may not be used to refinance existing Members 1st Credit Union auto loans. This is a variable rate available to qualified borrowers. Minimum financing of $5,000. Multiple rates are available; however, the 2.75% APR offer is restricted to 2010 or newer models with 75,000 miles or less and a maximum term up to 60 months. The annual percentage rate may vary based on the 3rd week auction of the 26-week Treasury Bill (index.).