Auto Loan Rates in Michigan (MI) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Michigan include ABD Federal Credit UnionABD Federal Credit Union27850 MOUND RD, WARREN, MI, 48092A+5.0 ★Texas Ratio: 2.06% offering New and Used Auto Loans at 3.25%, United Federal Credit UnionUnited Federal Credit Union808 E Front St, Buchanan, MI, 49107 1444A+5.0 ★Texas Ratio: 3.13% offering Fixed Rate New & Used Auto Loans at 3.50%, Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947A+5.0 ★Texas Ratio: 4.68% offering New or Used Auto Loans at 3.79%, Aeroquip Credit UnionAeroquip Credit Union6000 28th St SE, Grand Rapids, MI, 49546A+5.0 ★Texas Ratio: 2.08% offering New/Used Auto at 3.99%, Family Financial Credit UnionFamily Financial Credit Union4075 W Polk Rd, Hart, MI, 49420 8177A5.0 ★Texas Ratio: 6.03% offering Auto Loan at 3.99%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Michigan side-by-side. Michigan auto loan rates currently start as low as 3.25% APR from ABD Federal Credit Union at 27850 MOUND RD, WARREN, MI, 48092. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Michigan. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Michigan
Michigan Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
3.99%
0-36
▼
APR3.99%
Term0-36
Last UpdatedMay 23, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI, 49420 8177
Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 23, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI, 48092 1685
Vehicle Loans
4.07%
96 Months
▼
APR4.07%
Term96 Months
Last UpdatedMay 23, 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.
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36
▼
APR4.24%
Term24-36
Last UpdatedMay 29, 2026
Details
Relationship APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car Loan
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 800+
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 36 Months or Less (780+ Credit Score)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 48 Months (780+ Credit Score)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 60 Months (780+ Credit Score)
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedJun 3, 2026
Details
As Low As; The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed.
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
4.44%
up to 48 months
▼
APR4.44%
Termup to 48 months
Last UpdatedMay 29, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.49%
37-48
▼
APR4.49%
Term37-48
Last UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedMay 29, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2020 or Newer**
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 36 Months or Less (680-779 Credit Score)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 48 Months (680-779 Credit Score)
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 60 Months (680-779 Credit Score)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 36 Month
4.58%
36 Months
▼
APR4.58%
Term36 Months
Last UpdatedMay 29, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.60%
24 months
▼
APR4.60%
Term24 months
Last UpdatedMay 22, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $7,500
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
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedMay 29, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 60 Month
4.71%
60 Months
▼
APR4.71%
Term60 Months
Last UpdatedMay 29, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Loan Amount: n/a
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMay 23, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer Up to 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI, 48640 4702
Auto Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 23, 2026
Details
As Low As; *APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant's creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMay 23, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
Auto Loan Refinance
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 29, 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) Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 24 Month
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 29, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer) Loan
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMay 23, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto Up To 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Apply Today
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 1, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedJun 3, 2026
Details
As Low As; The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 48 Month
4.76%
48 Months
▼
APR4.76%
Term48 Months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.85%
36 months
▼
APR4.85%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
4.85%
24 Months
▼
APR4.85%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $10,000
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 72 Month
4.92%
72 Months
▼
APR4.92%
Term72 Months
Last UpdatedMay 29, 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
4.94%
61 - 72 months
▼
APR4.94%
Term61 - 72 months
Last UpdatedMay 29, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMay 29, 2026
Details
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%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; borrowing over $25,000.00
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
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 UpdatedMay 20, 2026
Details
As Low As
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
Auto Loan NEW
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
Auto Loans NEW
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.99%
67-72
▼
APR4.99%
Term67-72
Last UpdatedMay 23, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI, 49420 8177
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 23, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2019-2022 Up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
1551 S 9TH ST, KALAMAZOO, MI, 49009 9404
Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; 2026-2025 (up to 100% LTV Max)
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
South Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI, 49202 2036
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New Auto Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedMay 23, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
2600 10th St, Menominee, MI, 49858 1904
Recreational Titled Vehicle Loans - 2024 & Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 24 Month
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 29, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 31, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023 Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMay 22, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
New Vehicle Loan
5.00%
24-84
▼
APR5.00%
Term24-84
Last UpdatedMay 22, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Used Vehicle Loan
5.00%
24-84
▼
APR5.00%
Term24-84
Last UpdatedMay 22, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto 73 To 84 Months
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; Apply Today
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
NEW AUTO LOAN
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; FOR UP TO 36 MONTHS
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2022 or Newer
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 29, 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: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedMay 29, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2024-2026 Model Years
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 29, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 48 Month
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
5.05%
60 months
▼
APR5.05%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 36 Month
5.08%
36 Months
▼
APR5.08%
Term36 Months
Last UpdatedMay 29, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI, 48734
Auto Loan Special
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos 12 to 60 Months
5.09%
12 to 60
▼
APR5.09%
Term12 to 60
Last UpdatedMay 23, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos Any Model Year
5.09%
12 to 48 Months
▼
APR5.09%
Term12 to 48 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $15,000
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.19%
73 - 84 months
▼
APR5.19%
Term73 - 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36-month
▼
APR5.20%
Term36-month
Last UpdatedMay 23, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 60 Month
5.21%
60 Months
▼
APR5.21%
Term60 Months
Last UpdatedMay 29, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2019-2022 49-60 months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer 61-72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
1551 S 9TH ST, KALAMAZOO, MI, 49009 9404
Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; 2026-2025 (up to 100% LTV Max)
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI, 48607
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
5.24%
73-84
▼
APR5.24%
Term73-84
Last UpdatedMay 23, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36
▼
APR5.24%
Term24-36
Last UpdatedMay 29, 2026
Details
Fixed APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2022-2018) Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
7177 Headley St SE, Ada, MI, 49301 9900
New Auto up to 60 month term
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Rates starting @ 4.25%, based on individual credit.
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
7177 Headley St SE, Ada, MI, 49301 9900
Used Auto 2017 or Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Rates starting @ 4.25%, based on individual credit.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Used Auto/Motocycle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Multiple Terms Available
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 72 Months (780+ Credit Score)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 23, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 23, 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
5.34%
up to 48 months
▼
APR5.34%
Termup to 48 months
Last UpdatedMay 29, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMay 29, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.39%
75 Months
▼
APR5.39%
Term75 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 72 Month
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedMay 29, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72-month
▼
APR5.45%
Term72-month
Last UpdatedMay 23, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; borrowing over $35,000.00
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI, 49420 8177
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 23, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2019-2022 61-72 months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI, 48162 5130
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
1551 S 9TH ST, KALAMAZOO, MI, 49009 9404
Auto Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; 2026-2025 (up to 100% LTV Max)
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
OUR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
3070 Normandy Rd, Royal Oak, MI, 48073
Auto Loans Model Years 2019 & Newer
5.49%
Up To 65 Months
▼
APR5.49%
TermUp To 65 Months
Last UpdatedMay 23, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
5.49%
48 to 60 months
▼
APR5.49%
Term48 to 60 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedMay 23, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023 Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer) Loan
5.50%
37 to 48 Months
▼
APR5.50%
Term37 to 48 Months
Last UpdatedMay 23, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI, 48607
Auto Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 23, 2026
Details
current plus 6 model years old
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 36 Months or Less (640-679 Credit Score)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 48 Months (640-679 Credit Score)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 60 Months (640-679 Credit Score)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI, 49441
Vehicle Loan 72 Months (680-779 Credit Score)
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2021-2023 Model Years
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedMay 29, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.55%
72 months
▼
APR5.55%
Term72 months
Last UpdatedMay 29, 2026
Details
Some restrictions may apply.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
2600 10th St, Menominee, MI, 49858 1904
Recreational Titled Vehicle Loans - 2024 & Newer
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedMay 29, 2026
Details
As Low As
Powered by
MonitorBankRates
Michigan New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
3.99%
0-36
▼
APR3.99%
Term0-36
Last UpdatedMay 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36
▼
APR4.24%
Term24-36
Last UpdatedMay 29, 2026
Details
Relationship APR
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car Loan
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 800+
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
New Auto
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedJun 3, 2026
Details
As Low As; The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.49%
37-48
▼
APR4.49%
Term37-48
Last UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedMay 29, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2020 or Newer**
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 36 Month
4.58%
36 Months
▼
APR4.58%
Term36 Months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $7,500
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 60 Month
4.71%
60 Months
▼
APR4.71%
Term60 Months
Last UpdatedMay 29, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMay 23, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer Up to 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMay 23, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 24 Month
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 29, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer) Loan
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMay 23, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto Up To 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Apply Today
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 1, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 48 Month
4.76%
48 Months
▼
APR4.76%
Term48 Months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
4.85%
24 Months
▼
APR4.85%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $10,000
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto (2025-2026) 72 Month
4.92%
72 Months
▼
APR4.92%
Term72 Months
Last UpdatedMay 29, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMay 29, 2026
Details
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%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; borrowing over $25,000.00
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
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 UpdatedMay 20, 2026
Details
As Low As
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
Auto Loan NEW
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
4320 W Jefferson Ave, Ecorse, MI, 48229 1532
Auto Loans NEW
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; *APR = Annual Percentage Rate. *Your individual rate (APR) will be determined based on your credit score.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.99%
67-72
▼
APR4.99%
Term67-72
Last UpdatedMay 23, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New Auto Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedMay 23, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
2600 10th St, Menominee, MI, 49858 1904
Recreational Titled Vehicle Loans - 2024 & Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 31, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
New Vehicle Loan
5.00%
24-84
▼
APR5.00%
Term24-84
Last UpdatedMay 22, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto 73 To 84 Months
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; Apply Today
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
NEW AUTO LOAN
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; FOR UP TO 36 MONTHS
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2022 or Newer
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 29, 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: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $15,000
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36-month
▼
APR5.20%
Term36-month
Last UpdatedMay 23, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
255 E Maple Rd, Troy, MI, 48083
Auto Loans 2023 & Newer 61-72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36
▼
APR5.24%
Term24-36
Last UpdatedMay 29, 2026
Details
Fixed APR
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
7177 Headley St SE, Ada, MI, 49301 9900
New Auto up to 60 month term
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Rates starting @ 4.25%, based on individual credit.
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
7177 Headley St SE, Ada, MI, 49301 9900
Used Auto 2017 or Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Rates starting @ 4.25%, based on individual credit.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
New Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 23, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMay 29, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.39%
75 Months
▼
APR5.39%
Term75 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72-month
▼
APR5.45%
Term72-month
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
New vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; borrowing over $35,000.00
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI, 48162 5130
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
New Auto - 2026-2024 with less than 25,000 miles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
New Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
OUR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
3070 Normandy Rd, Royal Oak, MI, 48073
Auto Loans Model Years 2019 & Newer
5.49%
Up To 65 Months
▼
APR5.49%
TermUp To 65 Months
Last UpdatedMay 23, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
5.49%
48 to 60 months
▼
APR5.49%
Term48 to 60 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI, 49509
Newer Autos, 2024 and newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI, 49504
2024 and Newer Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
1157 E Main St, Edmore, MI, 48829 7302
New Vehicles (2024 & newer) Loan
5.50%
37 to 48 Months
▼
APR5.50%
Term37 to 48 Months
Last UpdatedMay 23, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.55%
72 months
▼
APR5.55%
Term72 months
Last UpdatedMay 29, 2026
Details
Some restrictions may apply.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
2600 10th St, Menominee, MI, 49858 1904
Recreational Titled Vehicle Loans - 2024 & Newer
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedMay 29, 2026
Details
As Low As
Powered by
MonitorBankRates
Michigan Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR is Annual Percentage Rate. Click for details.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
3.99%
0-36
▼
APR3.99%
Term0-36
Last UpdatedMay 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; All Years**
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 800+
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.49%
37-48
▼
APR4.49%
Term37-48
Last UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2020 or Newer**
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $7,500
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMay 23, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
17250 Newburgh Rd, Livonia, MI, 48152 2618
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMay 23, 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) Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 17, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedJun 3, 2026
Details
As Low As; The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 23, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
4.85%
24 Months
▼
APR4.85%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $10,000
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
36 months
▼
APR4.95%
Term36 months
Last UpdatedMay 29, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 20, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
4.99%
67-72
▼
APR4.99%
Term67-72
Last UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 24 Month
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 29, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI, 49201
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 31, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023 Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedMay 22, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Used Vehicle Loan
5.00%
24-84
▼
APR5.00%
Term24-84
Last UpdatedMay 22, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2022 or Newer
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2024-2026 Model Years
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedMay 29, 2026
Details
72 months over $20,000 financed 84 months over $40,000 financed
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 48 Month
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 29, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 36 Month
5.08%
36 Months
▼
APR5.08%
Term36 Months
Last UpdatedMay 29, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.15%
48 months
▼
APR5.15%
Term48 months
Last UpdatedMay 29, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedMay 20, 2026
Details
As Low As; Minimum Loan Amount $15,000
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.20%
36-month
▼
APR5.20%
Term36-month
Last UpdatedMay 23, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 60 Month
5.21%
60 Months
▼
APR5.21%
Term60 Months
Last UpdatedMay 29, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 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 UpdatedMay 23, 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) Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
New & Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
7177 Headley St SE, Ada, MI, 49301 9900
Used Auto 2017 or Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Rates starting @ 4.25%, based on individual credit.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Used Auto/Motocycle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Multiple Terms Available
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI, 49855
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 23, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedMay 29, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.39%
75 Months
▼
APR5.39%
Term75 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto (2018-2024) 72 Month
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedMay 29, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
New & Used Auto Loans (2026-2022)
5.45%
72-month
▼
APR5.45%
Term72-month
Last UpdatedMay 23, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Used Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI, 49015
New and Used Vehicle Loans
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedMay 23, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
New or Used Automobiles
5.49%
48 to 60 months
▼
APR5.49%
Term48 to 60 months
Last UpdatedMay 23, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI, 48180
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedMay 23, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI, 48174 1920
New/Used Vehicle Loan
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
21043 Mound Rd, Warren, MI, 48091 2903
Used vehicles 2018-2023 Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
New, Used, or Refinanced Auto Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI, 48207
New, Used Auto Loans
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; *
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2021-2023 Model Years
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedMay 29, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.55%
72 months
▼
APR5.55%
Term72 months
Last UpdatedMay 29, 2026
Details
Some restrictions may apply.
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MonitorBankRates
Michigan Auto Loan Rate Trends
Compare local Michigan auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MI Avg
5.372%
▲ 0.099 vs 7 days ago
Michigan new auto rates rose 0.099 points over the past 7 days to 5.372% APR.
Used Auto Loan — MI Avg
5.953%
▲ 0.016 vs 7 days ago
Michigan used auto rates rose 0.016 points over the past 7 days to 5.953% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Michigan directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Michigan. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in 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 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 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 Michigan?
Based on our current data, some of the lowest auto loan rates available in Michigan include:
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
- Genisys Credit Union: 3.79% (New or Used Auto Loans)
- Aeroquip Credit Union: 3.99% (New/Used Auto)
- Family Financial Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Auto Loan Rates by City in Michigan
Rate Assistant
MonitorBankRates.com · Live Data
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