TOP RATES (view all rates)
New Vehicle1
Rates as low as
1.99% APR*
Used Vehicle2
Rates as low as
2.99% APR*
New Boats & RVs3
Rates as low as
4.74% APR*
New ATVS & Snowmobiles4
Rates as low as
6.99% APR*
Madison Credit Union offers you everything you need to purchase your vehicle, great rates and a plethora of other services including payment protection insurance, warranties and guaranteed protection insurance.
Automobiles
Always offering competitive rates on new and previously owned vehicles. With terms up to 84 months for new cars, our loan department has an option that will fit your needs.
Recreational Vehicles
No matter what your recreational interest, MCU is here to help finance it with rates and terms that work for you. Get your motorcycles, boats, ATVs, Motor Homes, snowmobiles, jet skis and RVs loans here. Call us at 608-266-4750 or email us to get started.
Auto Warranty
No hassle Auto Service Contract that protects you against costly mechanical breakdowns. You’re protected across the U.S. and Canada and can choose the licensed repair facility. Call us at 608-266-4750 or email us to learn more.
Payment Protection Credit Insurance
Protect what matters most and ease your financial concerns by selecting Payment Protection Credit Insurance. Pays your loan payments (up to contract limit) in the event of illness or disability. Reduces or pays off insurance loan balance in the event of death. Call us at 608-266-4750 or email us to learn more.
Guaranteed Automobile Protection Insurance
Payment protection in the event of theft or accident where the vehicle is totaled and the amount owed on the vehicle is greater than the cash value of the vehicle. Call us at 608-266-4750 or email us to learn more.
| New Vehicles: 2020 & New* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 1.99% | 1.99% | 2.49% | 3.99% | 5.99% | 9.99% |
| 37 to 48 Months | 1.99% | 1.99% | 2.49% | 3.99% | 5.99% | 9.99% |
| 49 to 60 Months | 1.99% | 1.99% | 2.49% | 3.99% | 5.99% | 9.99% |
| 61 to 72 Months | 1.99% | 1.99% | 2.49% | 3.99% | 5.99% | 9.99% |
| 73 to 84 Months | 2.24% | 2.24% | 2.74% | 4.24% | 6.24% | 10.24% |
| Up to 100% of Purchase Price + Taxes & Fees | ||||||
| Used Vehicles: 2015-2019* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 2.99% | 2.99% | 3.49% | 4.99% | 6.99% | 10.99% |
| 37 to 48 Months | 2.99% | 2.99% | 3.49% | 4.99% | 6.99% | 10.99% |
| 49 to 60 Months | 2.99% | 2.99% | 3.49% | 4.99% | 6.99% | 10.99% |
| 61 to 72 Months | 2.99% | 2.99% | 3.49% | 4.99% | 6.99% | 10.99% |
| 73 to 84 Months | 3.24% | 3.24% | 3.74% | 5.24% | 7.24% | 11.24% |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||||||
| Used Vehicles: 2014 & Older* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 5.24% | 5.49% | 5.99% | 7.49% | 9.49% | 13.49% |
| 37 to 48 Months | 5.74% | 5.99% | 6.49% | 7.99% | 9.99% | 13.99% |
| 49 to 60 Months | 6.79% | 7.04% | 7.54% | 9.04% | 11.04% | 15.04% |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||||||
| New RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2019-New* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 60 Months | 4.74% | 4.99% | 5.49% | 6.99% | 8.99% | 12.99% |
| 61 to 72 Months | 4.74% | 4.99% | 5.49% | 6.99% | 8.99% | 12.99% |
| 73 to 84 Months | 5.99% | 6.24% | 6.74% | 8.24% | 10.24% | 14.24% |
| 85 to 120 Months | 6.24% | 6.49% | 6.99% | 8.49% | 10.49% | 14.49% |
| Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2018 & Older* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 60 Months | 6.99% | 7.24% | 7.74% | 9.24% | 11.24% | 15.24% |
| 61 to 72 Months | 7.24% | 7.49% | 7.99% | 9.49% | 11.49% | 15.49% |
| 73 to 84 Months | 7.59% | 7.84% | 9.24% | 10.74% | 11.84% | 15.84% |
| New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2019-New* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 6.99% | 7.24% | 7.74% | 9.24% | 11.24% | 15.24% |
| 37 to 48 Months | 7.24% | 7.49% | 7.99% | 9.49% | 11.49% | 15.49% |
| 49 to 60 Months | 7.49% | 7.74% | 8.24% | 9.74% | 11.74% | 15.74% |
| Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2018 & Older* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 24 Months | 7.99% | 8.24% | 8.74% | 10.24% | 12.24% | 16.24% |
| 25 to 36 Months | 8.99% | 9.24% | 9.74% | 11.24% | 13.24% | 17.24% |
* APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. $1,000 new money required.
1 “New vehicles “are model year 2020 and newer. Other rates and terms available.
2 “Used Vehicles” are model year 2015-2019. Other rates and terms are available.
3 “New Boats & RVs” are model year 2019 and newer. Other rates and terms are available.
4 “New ATVS & Snowmobiles” are model year 2019 and newer. Other rates and terms are available.
