The Members Exchange Credit Union is a auto loan from Members Exchange Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is New and Used Auto: 2.99%-8.49% (01-24 months), 3.99%-9.49% (25-36), 4.49%-9.99% (37-48), 4.99%-10.49% (49-60), 5.49%-10.99% (61-72 and 73-76); extended terms 77-84 months 5.99%-8.49% (A+ to B credit only, 2025 & 2024 model years); 96 months 6.49% (2025 model year, A+ credit only, $50,000 minimum). Rates as of 02.17.26. Loan terms: Terms by range: 01-24, 25-36, 37-48, 49-60, 61-72, 73-76, 77-84 and 96 months.