Auto, Motorcycle & Boat Loans in Northwest Indiana
Whether you’re eyeing a new car, upgrading your motorcycle, or getting ready for summer on the lake, Members Source Credit Union offers flexible financing with rates that are hard to beat.
We’re a local lender based in Merrillville, which means you work with real people who understand your needs — not an automated system at a national bank.
Features include:
- 100% financing available for new and pre-owned vehicles
- Flexible terms up to 84 months
- Low annual percentage rates
- No penalties for early payoff
- Loan protection: GAP insurance, life & disability insurance, extended vehicle service contracts
Buying from a dealer? Ask about getting pre-approved with MSCU so you can shop with confidence.
Auto Rates
Rates Effective: July 1, 2026
| Year | Term | APR as low as* | Aprx. payment per $1000 |
|---|---|---|---|
| 2016 & Newer | 36 Months | 3.99% | $29.40 |
| 2016 & Newer | 48 Months | 5.00% | $23.03 |
| 2020 & Newer | 60 Months | 5.25% | $19.00 |
| 2020 & Newer | 72 Months | 5.49% | $16.34 |
| 2025 & Newer | 84 Months | 6.00% | $14.61 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 3.99% |
| Aprx. payment per $1000 | $29.40 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 5.00% |
| Aprx. payment per $1000 | $23.03 |
| 2020 & Newer | 60 Months | |
| APR as low as* | 5.25% |
| Aprx. payment per $1000 | $19.00 |
| 2020 & Newer | 72 Months | |
| APR as low as* | 5.49% |
| Aprx. payment per $1000 | $16.34 |
| 2025 & Newer | 84 Months | |
| APR as low as* | 6.00% |
| Aprx. payment per $1000 | $14.61 |
*Actual Annual Percentage Rate (APR) determined by borrower's credit score.
Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit
and/or autopay and .25% for eStatements.
Boat/Motorcycle/RV Rates
Rates Effective: July 1, 2026
| Year | Term | APR as low as* | Aprx. payment per $1000 |
|---|---|---|---|
| 2016 & Newer | 36 Months | 6.49% | $30.60 |
| 2016 & Newer | 48 Months | 7.50% | $24.20 |
| 2020 & Newer | 60 Months | 7.75% | $20.20 |
| 2020 & Newer | 72 Months | 7.99% | $17.50 |
| 2025 & Newer | 84 Months | 8.50% | $15.54 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 6.49% |
| Aprx. payment per $1000 | $30.60 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 7.50% |
| Aprx. payment per $1000 | $24.20 |
| 2020 & Newer | 60 Months | |
| APR as low as* | 7.75% |
| Aprx. payment per $1000 | $20.20 |
| 2020 & Newer | 72 Months | |
| APR as low as* | 7.99% |
| Aprx. payment per $1000 | $17.50 |
| 2025 & Newer | 84 Months | |
| APR as low as* | 8.50% |
| Aprx. payment per $1000 | $15.54 |
*Actual Annual Percentage Rate (APR) determined by borrower's credit score.
Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit
and/or autopay and .25% for eStatements.
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Join today and start taking advantage of everything Members Source has to offer.
