--- title: "Members Credit Union: #1 New Auto Loan in North Carolina" description: "Members Credit Union has the lowest tracked new-car loan rate in North Carolina (3.99% APR) among 17 credit unions we verify. Members Credit Union rates today: auto loans from 3.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Members Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/members-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Members Credit Union: #1 New Auto Loan in North Carolina ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 3.990% APR | 3.990% | new | Standard | | **Used Auto Loan** auto_used | — APR | 3.990% | used | Standard | Members Credit Union auto & vehicle rates as of September 25, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Builder Loan** personal_unsecured | — APR | 15.750% | — | Standard | Members Credit Union personal loan rates as of September 25, 2026 Auto loans available from 3.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/members) , verified from [Members Credit Union's official website](https://memcu.com/) Best product position **#1 of 17** new-car loan Gap to state best **0 bp** State market leader Vs. state median **101 bp better than median** new-car loan Products ranked **1** across tracked North Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 3.99% | #1 of 17 · lowest in North Carolina | State market leader | 101 bp better than median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim Members Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=members&state=north-carolina&code=NC&name=Members%20Credit%20Union) Loading branch locator… ## About Members Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 47.5K Assets $481.8M Founded 1953 Locations reported 18 NCUA charter 60002 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Piedmont Advantage Credit Union** Advantage Way · Winston Salem · NC · 27103 Branch in the same ZIP](https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union) [**Allegacy** Westbrook · Winston Salem · NC · 27103-2993 About 1.2 miles away](https://rateapi.dev/credit-unions/north-carolina/allegacy) [**Latino Community** Winston-Salem branch · Winston Salem · NC · 27103-3037 About 1.4 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Truliant** Corporate Office & Branch Office · Winston Salem · NC · 27103 About 1.5 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) [**Summit** Summit Credit Union · Winston Salem · NC · 27103-3217 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/summit) [**State Employees'** WINSTON-SALEM - SILAS CREEK PKWY · WINSTON SALEM · NC · 27103 About 2.7 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Members Credit Union Membership eligibility from Members Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members Credit Union's website. Check the membership page below to confirm whether you qualify. - Location surry, wilkes, yadkin, sampson, duplin, gaston, iredell — NC Verified from [Members Credit Union's membership page](https://memcu.com/membership/who-can-join/) . Final membership determination is always made by the credit union. ## Membership rules for Members Credit Union Geography 7 counties · Family 29 published paths to membership, last verified August 27, 2026, quoted from Members Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Duplin County, NC - Gaston County, NC - Iredell County, NC - Sampson County, NC - Surry County, NC - Wilkes County, NC - Yadkin County, NC “You live, work, worship, or learn in Surry, Wilkes, or Yadkin County” > [source ↗](https://memcu.com/membership/who-can-join/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family “You are a family member of any existing MCU member.” > [source ↗](https://memcu.com/membership/who-can-join/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Members Credit Union? Yes No ## Work at Members Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Members Credit Union ranks against North Carolina peers. - See which AI assistants fetched Members Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members&state=north-carolina&code=NC&name=Members%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members Credit Union offer? Members Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Members Credit Union rates updated? RateAPI verifies Members Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Members Credit Union's rate data? Rate data is collected directly from Members Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Members Credit Union's auto loan rates? As of September 25, 2026, Members Credit Union offers auto loans from 3.99% APR. ### Who can join Members Credit Union? Members Credit Union publishes its membership criteria on its own website. RateAPI tracks 29 published membership paths covering 7 counties for Members Credit Union, each quoted from Members Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://memcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Members Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Members Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /members " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members Credit Union locations Search, filter, and browse all 18 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/members-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp