Auto Loan Rates in Sterling Heights, Michigan (MI) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Sterling Heights, Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sterling Heights, Michigan include Cornerstone Community Financial Credit UnionCornerstone Community Financial Credit Union44911 Mound Rd, Sterling Heights, MI, 48314A+5.0 ★Texas Ratio: 5.88% offering Auto Loan at 4.49%, FreeStar Financial Credit UnionFreeStar Financial Credit Union34642 Van Dyke Ave, Sterling Heights, MI, 48312A5.0 ★Texas Ratio: 8.54% offering New or Used Vehicle, 2022 and Newer at 4.49%, Alliance Catholic Credit UnionAlliance Catholic Credit Union35353 Dodge Park Rd, Sterling Heights, MI, 48312A+5.0 ★Texas Ratio: 1.35% offering Auto Loans 2023 & Newer at 4.74%, The Local Credit UnionThe Local Credit Union39139 Mound Rd, Sterling Heights, MI, 48310 2737A+5.0 ★Texas Ratio: 1.02% offering Auto Loans at 4.74%, Vibe Credit UnionVibe Credit Union33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641A+5.0 ★Texas Ratio: 5.71% offering Vehicle Loans 2018-2024 Model Years at 4.74%. Auto loan rates as of March 24, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Sterling Heights, 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 Sterling Heights, Michigan. Auto Loan Rates Last Updated and Verified: March 24, 2026
Compare Auto Loan Rates Today in Sterling Heights, 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%
44911 Mound Rd, Sterling Heights, MI, 48314
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
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
4.69%
40 - 64
▼
APR4.69%
Term40 - 64
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $7,500
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
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 21, 2026
Details
As Low As; Loan Amount: n/a
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2018-2024 Model Years
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2025-2026 Model Years
4.74%
2026 Mo
▼
APR4.74%
Term2026 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
4.89%
65 - 75
▼
APR4.89%
Term65 - 75
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $10,000
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
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%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
4.99%
24 - 39
▼
APR4.99%
Term24 - 39
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $4,000
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2018-2024 Model Years
4.99%
2024 Mo
▼
APR4.99%
Term2024 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2025-2026 Model Years
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
5.19%
76 - 88
▼
APR5.19%
Term76 - 88
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $15,000
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
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%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
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 21, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2018-2024 Model Years
5.24%
2024 Mo
▼
APR5.24%
Term2024 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2025-2026 Model Years
5.24%
2026 Mo
▼
APR5.24%
Term2026 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2019-2022
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
5.49%
40 - 64
▼
APR5.49%
Term40 - 64
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $7,500
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2018-2024 Model Years
5.49%
2024 Mo
▼
APR5.49%
Term2024 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2025-2026 Model Years
5.49%
2026 Mo
▼
APR5.49%
Term2026 Mo
Last UpdatedMar 22, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
5.69%
89 - 120
▼
APR5.69%
Term89 - 120
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $40,000
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2020-2021
5.74%
Up to 84 Months > $25k
▼
APR5.74%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
5.99%
121 - 180
▼
APR5.99%
Term121 - 180
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $75,000
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2017-2019
5.99%
Up to 84 Months > $25k
▼
APR5.99%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
6.09%
65 - 75
▼
APR6.09%
Term65 - 75
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $10,000
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2019-2022
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2018 & Older
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New - Model Years 2025 to 2026 Vehicle Loan
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
6.49%
61 to 72 Months
▼
APR6.49%
Term61 to 72 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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
Used - Model Years 2025 and Older Vehicle Loan
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
44911 Mound Rd, Sterling Heights, MI, 48314
Auto Loan
6.49%
76 - 88
▼
APR6.49%
Term76 - 88
Last UpdatedMar 18, 2026
Details
As Low As; Minimum Loan Amount $15,000
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
New or Used Vehicle, 2022 and Newer
6.49%
Up to 96 Months > $30k
▼
APR6.49%
TermUp to 96 Months > $30k
Last UpdatedMar 20, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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.
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI, 48314
Auto Loan 2022 - 2025
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMar 20, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2016 and Older
6.74%
Up to 60 Months
▼
APR6.74%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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.
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2016 and Older
6.99%
Up to 72 Months > $15k
▼
APR6.99%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Classic Vehicle Loans 1999 or Older Model Years
6.99%
1-60
▼
APR6.99%
Term1-60
Last UpdatedMar 22, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI, 48314
Auto Loan 2022 - 2025
7.22%
72 Months
▼
APR7.22%
Term72 Months
Last UpdatedMar 20, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2018 & Older
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
7.49%
120 Months
▼
APR7.49%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New - Model Years 2025 to 2026 Vehicle Loan
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
7.49%
73 to 84 Months
▼
APR7.49%
Term73 to 84 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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
Used - Model Years 2025 and Older Vehicle Loan
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 18, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI, 48314
Auto Loan 2017 - 2021
7.76%
48 Months
▼
APR7.76%
Term48 Months
Last UpdatedMar 20, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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.
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI, 48312 4641
Vehicle Loans 2012-2017 Model Years
7.99%
2017 Mo
▼
APR7.99%
Term2017 Mo
Last UpdatedMar 22, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI, 48314
Auto Loan 2017 - 2021
8.30%
60 Months
▼
APR8.30%
Term60 Months
Last UpdatedMar 20, 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
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 24, 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 24, 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 24, 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 24, 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 22, 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 24, 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 24, 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 24, 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 24, 2026
Details
As Low As; Vehicle Model Years: All 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
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 21, 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
New Car
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 22, 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
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 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 24, 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 24, 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 24, 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 24, 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 24, 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 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; All Years**
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 22, 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 24, 2026
Details
As Low As; Current Year + 2 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 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 21, 2026
Details
Credit Score 680-779 (A)
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
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI, 48152 3460
Auto Loan
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Years: 2025-2026
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 21, 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 21, 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
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; with Loyalty Discount**
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 22, 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%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMar 22, 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 22, 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 24, 2026
Details
As Low As; Current Year + 2 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 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 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 24, 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 24, 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 24, 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
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
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 21, 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
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
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 22, 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 24, 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 22, 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
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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.
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
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
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
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
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
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
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
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
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 21, 2026
Details
Qualifications Required
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 21, 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 21, 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%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 21, 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 21, 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 22, 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 Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
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 22, 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 22, 2026
Details
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%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedMar 22, 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 24, 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
5.00%
3 Year Balloon
▼
APR5.00%
Term3 Year Balloon
Last UpdatedMar 13, 2026
Details
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
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
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 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
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
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 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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 23, 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 24, 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 22, 2026
Details
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
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 24, 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
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
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
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
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
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI, 48152 3460
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Years: 2021-2024
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 21, 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%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI, 48033 6041
Rebuilt & Salvage Title Auto Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMar 21, 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 21, 2026
Details
As Low As; with Loyalty Discount**
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 21, 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 21, 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 22, 2026
Details
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 22, 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%
61 - 72 months
▼
APR5.24%
Term61 - 72 months
Last UpdatedMar 22, 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
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 Years
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
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 21, 2026
Details
Credit Score 780+ (A+)
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 23, 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
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 21, 2026
Details
As Low As
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 23, 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
5.30%
60 Months
▼
APR5.30%
Term60 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
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
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 23, 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 22, 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
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New - Model Years 2025 to 2026 Vehicle Loan
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
6.49%
61 to 72 Months
▼
APR6.49%
Term61 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As; New - Model Years 2025 to 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
New or Used Vehicle, 2022 and Newer
6.49%
Up to 96 Months > $30k
▼
APR6.49%
TermUp to 96 Months > $30k
Last UpdatedMar 20, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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%
35790 Van Dyke Ave, Sterling Heights, MI, 48312
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.
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
35353 Dodge Park Rd, Sterling Heights, MI, 48312
Auto Loans 2023 & Newer
7.49%
120 Months
▼
APR7.49%
Term120 Months
Last UpdatedMar 16, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New - Model Years 2025 to 2026 Vehicle Loan
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 18, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
7.49%
73 to 84 Months
▼
APR7.49%
Term73 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As; New - Model Years 2025 to 2026
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 24, 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 24, 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 24, 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 24, 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 22, 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 24, 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 24, 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 24, 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 24, 2026
Details
As Low As; Vehicle Model Years: All 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
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 21, 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
New Car
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 22, 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
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 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 24, 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 24, 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 24, 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 24, 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 24, 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 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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
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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; All Years**
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 22, 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 24, 2026
Details
As Low As; Current Year + 2 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 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%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
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 21, 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 21, 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 22, 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 24, 2026
Details
As Low As; Current Year + 2 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 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 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 24, 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 24, 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
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 21, 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
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 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 22, 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 24, 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 22, 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
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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.
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
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
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
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
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
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
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 21, 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 21, 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%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 21, 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 22, 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 Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
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 22, 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 24, 2026
Details
As Low As
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
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 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 24, 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 24, 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 22, 2026
Details
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
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 24, 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
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
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
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
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
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 21, 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%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 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 21, 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 21, 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
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Current Year + 2 Years
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 23, 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 24, 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 22, 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
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
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
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
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
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2020-2021
5.74%
Up to 84 Months > $25k
▼
APR5.74%
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%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2017-2019
5.99%
Up to 84 Months > $25k
▼
APR5.99%
TermUp to 84 Months > $25k
Last UpdatedMar 20, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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)
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
6.49%
61 to 72 Months
▼
APR6.49%
Term61 to 72 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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
Used - Model Years 2025 and Older Vehicle Loan
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
New or Used Vehicle, 2022 and Newer
6.49%
Up to 96 Months > $30k
▼
APR6.49%
TermUp to 96 Months > $30k
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2016 and Older
6.74%
Up to 60 Months
▼
APR6.74%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
34642 Van Dyke Ave, Sterling Heights, MI, 48312
Used Vehicle, 2016 and Older
6.99%
Up to 72 Months > $15k
▼
APR6.99%
TermUp to 72 Months > $15k
Last UpdatedMar 20, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
New and Used Vehicle Loans
7.49%
73 to 84 Months
▼
APR7.49%
Term73 to 84 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%
39900 Van Dyke Ave, Sterling Heights, MI, 48313
Used - Model Years 2025 and Older Vehicle Loan
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 18, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
36600 Van Dyke Ave, Sterling Heights, MI, 48312 2766
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 24, 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 24, 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 24, 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 24, 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 22, 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 24, 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 24, 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 24, 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 24, 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 24, 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 24, 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 24, 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%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As; All Years**
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 22, 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%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.60%
Up to 36 Months
▼
APR4.60%
TermUp to 36 Months
Last UpdatedMar 24, 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%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; 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
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 24, 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
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 21, 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 22, 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 22, 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 24, 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
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 21, 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
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 24, 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 22, 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 24, 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 22, 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
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; 2020 or Newer**
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
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
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
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
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 21, 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%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMar 21, 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 22, 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 22, 2026
Details
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
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
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 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
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 24, 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 24, 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 22, 2026
Details
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
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 24, 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
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
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%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 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 21, 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 21, 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 (2022-2018)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 22, 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 - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMar 16, 2026
Details
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 21, 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
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedMar 24, 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 22, 2026
Details
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
5.365%
▼ 0.045 from last week
New auto loan rates fell 0.045 points this week to 5.365% APR, down from 5.410% last week.
Used Auto Loan — National Avg APR
5.673%
▼ 0.016 from last week
Used auto loan rates fell 0.016 points this week to 5.673% APR, down from 5.689% last week.
National averages as of Mar 24, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, Michigan?
Based on our current data, some of the lowest auto loan rates available in Sterling Heights, Michigan include:
- Cornerstone Community Financial Credit Union: 4.49% (Auto Loan)
- FreeStar Financial Credit Union: 4.49% (New or Used Vehicle, 2022 and Newer)
- Alliance Catholic Credit Union: 4.74% (Auto Loans 2023 & Newer)
- The Local Credit Union: 4.74% (Auto Loans)
- Vibe Credit Union: 4.74% (Vehicle Loans 2018-2024 Model Years)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sterling Heights, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026
Sterling Heights, Michigan Rates & Resources
