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Find Your Best Rate at MECU.

Explore your potential savings with our easy to use calculator. Compare rates; see what monthly payments might be and how much you could save over the course of your new loan at Members Exchange Credit Union.

You don’t have to trade in your car to get a lower monthly car payment. Come to Members Exchange Credit Union and trade your rate instead. When you lower your rate, you could save money every month and over the life of your loan.

Amortization Calculator

Why MECU? Better Rates.Fast Answers.Why Not?

You’ve already got a loan; maybe it’s time to get a better one. At Members Exchange, trade your current loan for the year’s lowest rates and drive away more money in your pocket. Get started here.

Loan Rates

wdt_ID Months APR*
1 24 0.99%
2 36 1.99%
3 48 2.49%
4 60 2.99%
5 72 3.99%
6 84 4.99%

Fast and Simple

Applying for a loan with Members Exchange is easy. It’s also an incredible way to save. We make the whole process smooth for our members.

Quick Answers

Need a loan decision fast? We can do that. With lower rates and great service, our Members have a brighter financial future.

*Annual Percentage Rates (APR) listed above are for current year and previous year models for borrowers with excellent credit history. Loan rates vary and are based on creditworthiness and term of the loan. Subject to credit approval. Some restrictions apply. Call for details.

A Loan for What You Need.

Trade Your Rate on an existing loan or get approved before you buy, and walk in with a check in hand and walk out with the vehicle of your dreams. It is fast, easy and only takes one click to get started. Find out how below.

New/Used Cars

Your car is more than just an automobile, it’s an investment. We understand how important that is.


Take to the road on an adventure with a dirt bike or a long-distance tourer.


Fishing for that trophy bass or cruising the lake at sunset, enjoy it all with a new boat.

Water Sports Vehicles

Enjoy the lake this summer with a new jet ski or wave runner.


Camp under the stars, see the country or travel to cheer  your favorite team in your new camper/RV.


Moving supplies or riding in the woods, an ATV can make life better.

Let's Get Started!

Ready to Apply? CLICK HERE

Need help or have a question? Call us during regular business hours at 601-922-3350 or toll-free at 1-800-748-9459. Or send us a message with your name, email address, and comment if you are interested in refinancing or financing an auto loan with MECU and a loan officer will contact you about trading your rate for a better one!