Auto Loan Rates in Royal Oak, Michigan (MI) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Royal Oak, Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Royal Oak, Michigan include Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union30606 Woodward Ave, Royal Oak, MI, 48073A+5.0 ★Texas Ratio: 5.88% offering Auto Loan at 4.49%, Vibe Credit UnionVibe Credit Union501 S Main St, Royal Oak, MI, 48067A+5.0 ★Texas Ratio: 5.71% offering Vehicle Loans 2018-2024 Model Years at 4.99%, InTouch Credit UnionInTouch Credit Union5150 Coolidge Hwy, Royal Oak, MI, 48073 1001A5.0 ★Texas Ratio: 10.50% offering New Autos at 5.24%, Community Choice Credit UnionCommunity Choice Credit Union1740 Crooks Rd, Royal Oak, MI, 48067A5.0 ★Texas Ratio: 7.03% offering Auto Loans - 49 to 60 months at 5.74%, Genisys Credit UnionGenisys Credit Union530 N Main St, Royal Oak, MI, 48067 1815A+5.0 ★Texas Ratio: 5.03% offering Auto Loans 2023 - newer at 5.99%.
Auto loan rates in Royal Oak, Michigan are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Royal Oak, Michigan. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Royal Oak, Michigan & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
4.49%
Up to 39
▼
APR4.49%
TermUp to 39
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $4,000
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
4.69%
40 - 64
▼
APR4.69%
Term40 - 64
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $7,500
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
4.89%
65 - 75
▼
APR4.89%
Term65 - 75
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $10,000
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2018-2024 Model Years
4.99%
2024 Mo
▼
APR4.99%
Term2024 Mo
Last UpdatedMar 15, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2025-2026 Model Years
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMar 15, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
4.99%
24 - 39
▼
APR4.99%
Term24 - 39
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $4,000
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
5.19%
76 - 88
▼
APR5.19%
Term76 - 88
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $15,000
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2018-2024 Model Years
5.24%
2024 Mo
▼
APR5.24%
Term2024 Mo
Last UpdatedMar 15, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2025-2026 Model Years
5.24%
2026 Mo
▼
APR5.24%
Term2026 Mo
Last UpdatedMar 15, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
New Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 75 months (61 - 75 month term only for requested amount of min. $15K or greater, based on MSRP)
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms up to 75 months ($15K loan request and greater, 2020 or newer, based on JD Power Retail Value)
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2018-2024 Model Years
5.49%
2024 Mo
▼
APR5.49%
Term2024 Mo
Last UpdatedMar 15, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2025-2026 Model Years
5.49%
2026 Mo
▼
APR5.49%
Term2026 Mo
Last UpdatedMar 15, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
5.49%
40 - 64
▼
APR5.49%
Term40 - 64
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $7,500
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
5.69%
89 - 120
▼
APR5.69%
Term89 - 120
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $40,000
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2018-2024 Model Years
5.74%
2024 Mo
▼
APR5.74%
Term2024 Mo
Last UpdatedMar 15, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2025-2026 Model Years
5.74%
2026 Mo
▼
APR5.74%
Term2026 Mo
Last UpdatedMar 15, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - 49 to 60 months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - 61 to 72 months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - new and used cars Up to 48 months
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
5.99%
121 - 180
▼
APR5.99%
Term121 - 180
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $75,000
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
6.09%
65 - 75
▼
APR6.09%
Term65 - 75
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $10,000
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
New Autos
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; From 76 to 84 months (76 - 84 month term only for requested amount of minimum $30k or greater, based on MSRP)
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms from 76 to 84 months ($30K loan request and greater, 2020 or newer, based on JD Power Retail Value)
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
6.49%
61-72 Months
▼
APR6.49%
Term61-72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
30606 Woodward Ave, Royal Oak, MI, 48073
Auto Loan
6.49%
76 - 88
▼
APR6.49%
Term76 - 88
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $15,000
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2018 - 2022
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Classic Vehicle Loans 1999 or Older Model Years
6.99%
1-60 months
▼
APR6.99%
Term1-60 months
Last UpdatedMar 15, 2026
Details
As Low As
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - 73 to 84 months
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
501 S Main St, Royal Oak, MI, 48067
Vehicle Loans 2012-2017 Model Years
7.99%
2017 Mo
▼
APR7.99%
Term2017 Mo
Last UpdatedMar 15, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms up to 60 months - 80,001-100,000 miles (8 years old and newer, based on JD Power Retail Value)
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2017 - older
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI, 49420 8177
Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 18, 2026
Details
As Low As
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
510 S Dexter St, Ionia, MI, 48846
Vehicle Refinance Special
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedMar 20, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36
▼
APR4.24%
Term24-36
Last UpdatedMar 18, 2026
Details
Relationship APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMar 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; 800+
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
New Auto
4.45%
36 months
▼
APR4.45%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI, 48640 5396
Auto Loans [non-rebate]
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMar 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Credit Score 680-779 (A)
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
525 W Willow St, Lansing, MI, 48906 4745
Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedMar 13, 2026
Details
Credit Score: 700-800
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI, 48152 3460
Auto Loan 2025-2026
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2025-2023)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Loan Amount: n/a
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; with Loyalty Discount**
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer)
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
525 W Willow St, Lansing, MI, 48906 4745
Auto Loan
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 13, 2026
Details
Credit Score: 700-800
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
6611 Chicago Rd, Warren, MI, 48092 1685
Vehicle Loans
4.83%
96 Months
▼
APR4.83%
Term96 Months
Last UpdatedMar 18, 2026
Details
As Low As; Specific rates are based on credit history and are determined after the application is reviewed. *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
NEW Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As; *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
6000 28th St NE, Grand Rapids, MI, 49546
Auto Loan Sale
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 11, 2026
Details
Loan Special 4.99% new and used vehicles. All other collateral 6.5% with same special requirements.; Credit score of 700 plus. No late payments with Credit Union, or 30 days past due within 365 days. No bankruptcy in the last 3 years. 72 months 2022-2025 vehicles.
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Used Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI, 49420 8177
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 18, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2019-2022
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
New - Model Years 2025 to 2026 Vehicle Loan
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As; New - Model Years 2025 to 2026
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
Used - Model Years 2025 and Older Vehicle Loan
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMar 18, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI, 48180
New 2024-2025 Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedMar 15, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI, 48180
New Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Auto Loan
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As; with Loyalty Discount**
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Ignite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
755 Grand St, Allegan, MI, 49010 8027
New or Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Learn more
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI, 48640 5396
Auto Loans [non-rebate]
4.99%
37 to 48 months
▼
APR4.99%
Term37 to 48 months
Last UpdatedMar 16, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMar 20, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedMar 20, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2023-2025 Model Years
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMar 20, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
525 W Willow St, Lansing, MI, 48906 4745
Auto Loan
5.00%
3 Year Balloon
▼
APR5.00%
Term3 Year Balloon
Last UpdatedMar 13, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
525 W Willow St, Lansing, MI, 48906 4745
Auto Loan
5.05%
48 Months
▼
APR5.05%
Term48 Months
Last UpdatedMar 13, 2026
Details
Credit Score: 700-800
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan Special
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 36-month term
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 48-month term
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 60-month term
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI, 48152 3460
Auto Loan 2021-2024
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36
▼
APR5.24%
Term24-36
Last UpdatedMar 18, 2026
Details
Fixed APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2022-2018)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2017-2019
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2020-2021
5.24%
Up to 72 Months > $15k
▼
APR5.24%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New/Used Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
University of Michigan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI, 48104
Auto Loan
5.24%
Up to 36
▼
APR5.24%
TermUp to 36
Last UpdatedMar 15, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2019-2022
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Auto Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; with Loyalty Discount**
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI, 48640 5396
Auto Loans [non-rebate]
5.24%
49 to 60 months
▼
APR5.24%
Term49 to 60 months
Last UpdatedMar 16, 2026
Details
As Low As
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
Credit Score 780+ (A+)
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; apr = annual percent rate
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan 2025 or newer
5.26%
75 Months
▼
APR5.26%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan 2024-2022
5.29%
63 Months
▼
APR5.29%
Term63 Months
Last UpdatedMar 16, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMar 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
525 W Willow St, Lansing, MI, 48906 4745
Auto Loan
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 13, 2026
Details
Credit Score: 700-800
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan 2021-2019
5.33%
51 Months
▼
APR5.33%
Term51 Months
Last UpdatedMar 16, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMar 15, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
Auto Loans 2024 & Newer
5.37%
84 Months
▼
APR5.37%
Term84 Months
Last UpdatedMar 20, 2026
Details
Up to 84 months
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
Auto Loans 2022 & Newer
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 20, 2026
Details
Up to 72 months
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan 2018 and older
5.39%
39 Months
▼
APR5.39%
Term39 Months
Last UpdatedMar 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2018 - Newer
5.44%
12 to 60 Months
▼
APR5.44%
Term12 to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Autos Any Model Year
5.44%
12 to 48 Months
▼
APR5.44%
Term12 to 48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 72-month term
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI, 48152 3460
Auto Loan
5.49%
61 to 84 months
▼
APR5.49%
Term61 to 84 months
Last UpdatedMar 20, 2026
Details
As Low As; $25,000+
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
201 E M 55, Tawas City, MI, 48763
Used 2025 & Older Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2021 - Newer
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2017-2019
5.49%
Up to 72 Months > $15k
▼
APR5.49%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
New Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 75 months (61 - 75 month term only for requested amount of min. $15K or greater, based on MSRP)
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - new and used cars Up to 48 months
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
New Autos
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; From 76 to 84 months (76 - 84 month term only for requested amount of minimum $30k or greater, based on MSRP)
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
6.49%
61-72 Months
▼
APR6.49%
Term61-72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
530 N Main St, Royal Oak, MI, 48067 1815
Auto Loans 2023 - newer
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Auto Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $19.33 per $1,000 borrowed at 5.99% for 60 months.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36
▼
APR4.24%
Term24-36
Last UpdatedMar 18, 2026
Details
Relationship APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMar 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; 800+
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
New Auto
4.45%
36 months
▼
APR4.45%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer)
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMar 17, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
NEW Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As; *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
New - Model Years 2025 to 2026 Vehicle Loan
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As; New - Model Years 2025 to 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI, 48180
New 2024-2025 Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedMar 15, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI, 48180
New Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Ignite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
755 Grand St, Allegan, MI, 49010 8027
New or Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Learn more
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMar 20, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedMar 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 36-month term
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 48-month term
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 60-month term
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
6000 28th St SE Ste 100, GRAND RAPIDS, MI, 49546 6927
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Current Year + 2 Years
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36
▼
APR5.24%
Term24-36
Last UpdatedMar 18, 2026
Details
Fixed APR
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New/Used Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; apr = annual percent rate
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan 2025 or newer
5.26%
75 Months
▼
APR5.26%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMar 15, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
Auto Loans 2024 & Newer
5.37%
84 Months
▼
APR5.37%
Term84 Months
Last UpdatedMar 20, 2026
Details
Up to 84 months
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
Auto Loans 2022 & Newer
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 20, 2026
Details
Up to 72 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2018 - Newer
5.44%
12 to 60 Months
▼
APR5.44%
Term12 to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 72-month term
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2021 - Newer
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms up to 75 months ($15K loan request and greater, 2020 or newer, based on JD Power Retail Value)
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
1740 Crooks Rd, Royal Oak, MI, 48067
Auto Loans - new and used cars Up to 48 months
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms from 76 to 84 months ($30K loan request and greater, 2020 or newer, based on JD Power Retail Value)
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5150 Coolidge Hwy, Royal Oak, MI, 48073 1001
Used Autos
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms up to 60 months - 80,001-100,000 miles (8 years old and newer, based on JD Power Retail Value)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMar 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; 800+
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.45%
Up to 36 Months
▼
APR4.45%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMar 18, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2025-2023)
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedMar 17, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Used Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
As Low As; New - Model Years 2025 to 2026
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI, 49015
Used - Model Years 2025 and Older Vehicle Loan
4.99%
Up to 60
▼
APR4.99%
TermUp to 60
Last UpdatedMar 18, 2026
Details
As Low As
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMar 17, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ignite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
755 Grand St, Allegan, MI, 49010 8027
New or Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Learn more
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: All Years**
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2023-2025 Model Years
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMar 20, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.10%
Up to 72 Months
▼
APR5.10%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 36-month term
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 48-month term
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 60-month term
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2022-2018)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2017-2019
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2020-2021
5.24%
Up to 72 Months > $15k
▼
APR5.24%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI, 49221
New/Used Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All rates featured are listed 'as low as' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMar 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMar 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 72 Months
▼
APR5.40%
TermUp to 72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022) 72-month term
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI, 49316 9587
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
201 E M 55, Tawas City, MI, 48763
Used 2025 & Older Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2601 Cambridge Ct Ste 210, Auburn Hills, MI, 48326 2580
New and Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI, 48036
Used Vehicle, 2017-2019
5.49%
Up to 72 Months > $15k
▼
APR5.49%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Royal Oak, Michigan
How does my credit score affect my car loan rate in Michigan?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Royal Oak, Michigan with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Michigan *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Royal Oak, Michigan typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Royal Oak, Michigan?
Based on our current data, some of the lowest auto loan rates available in Royal Oak, Michigan include:
- Cornerstone Community Financial Credit Union: 4.49% (Auto Loan)
- Vibe Credit Union: 4.99% (Vehicle Loans 2018-2024 Model Years)
- InTouch Credit Union: 5.24% (New Autos)
- Community Choice Credit Union: 5.74% (Auto Loans - 49 to 60 months)
- Genisys Credit Union: 5.99% (Auto Loans 2023 - newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Royal Oak, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
