Auto Loan Rates
Auto Loan Rates from Members Exchange Credit Union
Use our calculators to estimate the cost of an Auto Loan payment.
Interested in a Rate Match? See details at the bottom of this page.
Loan Type Term Amount Financed Annual Percentage Rate New and Used Auto 01-24 months Varies 3.99%-8.99% New and Used Auto 25-36 months Varies 4.49%-9.49% New and Used Auto 37-48 months Varies 4.99%-9.99% New and Used Auto 49-60 months Varies 5.49%-10.49% New and Used Auto 61-72 months Varies 5.99%-10.99% New and Used Auto 73-76 months Varies 5.99%-10.99%
Year Models 2025 & 2024 Extended Terms
New and Used Auto (Only in A+ to B credit) 77-84 months Varies 6.49%-8.49% 2025 Year Model Extended Term (Only in A+ credit) 96 months $50,000 Minimum 7.49%
Rates as of 3.10.25
Risk-Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your creditworthiness. You will be notified of the base rate for which you qualify when your loan request is approved. Lowest rates shown include matching floors.
*Members Exchange Credit Union will match other financial institution loan rates and terms on auto loans and miscellaneous collateral loans (verified) and will reduce that rate by .10%. Floors are in place for matching rates and The Annual Percentage Rate (APR) is based on your creditworthiness. Matching also applies to refinanced vehicles from other financial institutions. Restrictions and limitations may apply. Contact us for more information.
Late Payment Charge: If you are more than 15 days late in making a payment, you will be charged 5.00% of the monthly payment amount or $25.00, whichever is greater.
Please call Members Exchange at 601-922-3350 to obtain the most current rate information.