Vehicle Loan Rates

Thinking of getting a a fuel-efficient new or used car? Perhaps you need a truck to pull your camper or boat? Maybe you need a bigger vehicle to accommodate all the kids' sports equipment? Whatever your vehicle need, we can help you with the financing. Apply online right now and we'll give you an answer in just a few minutes. Don't forget that you can opt for a Pre-Approved Car Shopper Loan - lock in your rate right now and take 30-days to make your purchase.

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  • All rates are expressed as ANNUAL PERCENTAGE RATES.
  • Rates are subject to change without notice.

Loan rates as low as those listed below are effective.

Friday, April 28, 2017

2017-2016* Vehicles

TermAPR 
12 Months 3.34% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 12 month term at 3.34% APR, the sample estimated monthly payment may be $2121.22.
24 Months 3.34% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 24 month term at 3.34% APR, the sample estimated monthly payment may be $1078.29.
36 Months 3.34% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 36 month term at 3.34% APR, the sample estimated monthly payment may be $730.78.
48 Months 3.34% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 48 month term at 3.34% APR, the sample estimated monthly payment may be $557.12.
60 Months 3.34% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 60 month term at 3.34% APR, the sample estimated monthly payment may be $453.
72 Months 3.69% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 72 month term at 3.69% APR, the sample estimated monthly payment may be $387.61.
84 Months 4.74% Estimate Payment
For example a $25,000 2017-2016* vehicle loan with a 84 month term at 4.74% APR, the sample estimated monthly payment may be $350.3.

2015-2013 Vehicles

TermAPR 
12 Months 4.14% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 12 month term at 4.14% APR, the sample estimated monthly payment may be $2130.35.
24 Months 4.14% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 24 month term at 4.14% APR, the sample estimated monthly payment may be $1087.18.
36 Months 4.14% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 36 month term at 4.14% APR, the sample estimated monthly payment may be $739.66.
48 Months 4.14% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 48 month term at 4.14% APR, the sample estimated monthly payment may be $566.04.
60 Months 4.14% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 60 month term at 4.14% APR, the sample estimated monthly payment may be $461.99.
72 Months 4.64% Estimate Payment
For example a $25,000 2015-2013 vehicle loan with a 72 month term at 4.64% APR, the sample estimated monthly payment may be $398.46.

2012-2010 **** Vehicles

TermAPR 
12 Months 4.89% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 12 month term at 4.89% APR, the sample estimated monthly payment may be $2138.93.
24 Months 4.89% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 24 month term at 4.89% APR, the sample estimated monthly payment may be $1095.55.
36 Months 4.89% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 36 month term at 4.89% APR, the sample estimated monthly payment may be $748.04.
48 Months 4.89% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 48 month term at 4.89% APR, the sample estimated monthly payment may be $574.49.
60 Months 4.89% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 60 month term at 4.89% APR, the sample estimated monthly payment may be $470.52.
72 Months 5.64% Estimate Payment
For example a $25,000 2012-2010 **** vehicle loan with a 72 month term at 5.64% APR, the sample estimated monthly payment may be $410.09.

2009-2007 Vehicles

TermAPR 
12 Months 4.99% Estimate Payment
For example a $25,000 2009-2007* vehicle loan with a 12 month term at 4.99% APR, the sample estimated monthly payment may be $2140.07.
24 Months 4.99% Estimate Payment
For example a $25,000 2009-2007* vehicle loan with a 24 month term at 4.99% APR, the sample estimated monthly payment may be $1096.67.
36 Months 4.99% Estimate Payment
For example a $25,000 2009-2007* vehicle loan with a 36 month term at 4.99% APR, the sample estimated monthly payment may be $749.16.
48 Months 4.99% Estimate Payment
For example a $25,000 2009-2007* vehicle loan with a 48 month term at 4.99% APR, the sample estimated monthly payment may be $575.62.
60 Months 4.99% Estimate Payment
For example a $25,000 2009-2007* vehicle loan with a 60 month term at 4.99% APR, the sample estimated monthly payment may be $471.67.

2006 & older Vehicles

TermAPR 
12 Months 5.09% Estimate Payment
For example a $25,000 2006 & older* vehicle loan with a 12 month term at 5.09% APR, the sample estimated monthly payment may be $2141.22.
24 Months 5.09% Estimate Payment
For example a $25,000 2006 & older* vehicle loan with a 24 month term at 5.09% APR, the sample estimated monthly payment may be $1097.79.
36 Months 5.09% Estimate Payment
For example a $25,000 2006 & older* vehicle loan with a 36 month term at 5.09% APR, the sample estimated monthly payment may be $750.28.
48 Months 5.09% Estimate Payment
For example a $25,000 2006 & older* vehicle loan with a 48 month term at 5.09% APR, the sample estimated monthly payment may be $576.75.
60 Months 5.09% Estimate Payment
For example a $25,000 2006 & older* vehicle loan with a 60 month term at 5.09% APR, the sample estimated monthly payment may be $472.81.

*To be eligible for the 73-84 month term on model year 2017-2016 vehicle purchases, the amount financed can be no more than 125% of the vehicle value as determined by Members 1st and the amount financed must be $20,000 or greater.

• Model years revised on January 2 of each year.
** Over 100% LTV financing, add .25%.
**** To be eligible for the 72 month term on model year 2012-2007 purchases, the amount financed must be $10,000 or greater. Other restrictions may apply.

All rates reflect a .20% reduction for Payroll Deduction / Direct Deposit / Auto Transfer.

Your rate may vary from what is listed. Your interest rate will be based on your credit history and current credit report.

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*APR=Annual Percentage Rate   **APY=Annual Percentage Yield