In this study, the thermal-mechanical fatigue reliability of solder joints in automotive MLCC (Multilayer ceramic capacitors) array were compared by using FEM. An energy-based fatigue model and Anand viscoplasticity model was used to predict the life of solder. Three terminal design and two materials were considered. As a result of the analysis, the life of solder joints depended on the design of the terminal. The proposed design No. 1 showed the best fatigue life. The material change in the terminals was significantly affected of solder life. Using invar showed a better fatigue life than using copper. Based on these results, we were able to present a method for comparing the thermal-mechanical fatigue reliability of automotive MLCC array solder joints in harsh environments.