Auto Loan Rates in Houghton Lake Heights, Michigan (MI) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Houghton Lake Heights, Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Houghton Lake Heights, Michigan include ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.11% offering New and Used Auto Loans at 3.25%, Jolt Credit UnionJolt Credit UnionA+5.0 ★Texas Ratio: 1.30% offering Used Auto Loans at 3.35%, Genisys Credit UnionGenisys Credit UnionA+5.0 ★Texas Ratio: 5.03% offering New or Used Auto Loans at 3.79%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.95%, Family Financial Credit UnionFamily Financial Credit UnionA5.0 ★Texas Ratio: 6.25% offering Auto Loan at 3.99%. Auto loan rates as of April 25, 2026 according to verified data from MonitorBankRates.
Houghton Lake Heights borrowers have access to 57 lenders serving the Michigan area, with auto loan rates as low as 3.25% APR from ABD Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Houghton Lake Heights, Michigan. Auto Loan Rates Last Updated and Verified: April 25, 2026
Compare Auto Loan Rates Today in Houghton Lake Heights, Michigan & Surrounding Area
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: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.35%
24 Months
▼
APR3.35%
Term24 Months
Last UpdatedApr 19, 2026
Details
Used Auto Loans: Up to 24 months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 19, 2026
Details
As Low As
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Vehicle Refinance
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Vehicle Loans
4.07%
96 Months
▼
APR4.07%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As; Specific rates are based on credit history and are determined after the application is reviewed. *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedApr 18, 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: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedApr 19, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
4.44%
up to 48 months
▼
APR4.44%
Termup to 48 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.49%
Up to 39
▼
APR4.49%
TermUp to 39
Last UpdatedApr 19, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
NEW VEHICLES
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months - Longer terms/rates available, call for details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedApr 25, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Auto Loan
4.60%
Up to 36
▼
APR4.60%
TermUp to 36
Last UpdatedApr 18, 2026
Details
Regular APR: 4.60% - 13.45%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.69%
40 - 64
▼
APR4.69%
Term40 - 64
Last UpdatedApr 19, 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%
Automobiles
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2018-2024 Model Years
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2025-2026 Model Years
4.74%
2026 Mo
▼
APR4.74%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Loan Amount: n/a
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer Up to 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 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: 4.08%
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Vehicle Loans
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As; 2015 - 2025
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023)
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles (2024 & newer)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.89%
65 - 75
▼
APR4.89%
Term65 - 75
Last UpdatedApr 19, 2026
Details
As Low As; Minimum Loan Amount $10,000
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
4.94%
61 - 72 months
▼
APR4.94%
Term61 - 72 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2018-2024 Model Years
4.99%
2024 Mo
▼
APR4.99%
Term2024 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2025-2026 Model Years
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Auto Loans 2026-2025 (up to 100% LTV Max)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022 Up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New - Model Years 2025 to 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2025 Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedApr 19, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedApr 19, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2021 and newer
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.99%
24 - 39
▼
APR4.99%
Term24 - 39
Last UpdatedApr 19, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Recreational Titled Vehicle Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Vehicle Loans
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedApr 25, 2026
Details
2015 - 2025
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
New Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
Used Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2021 and newer
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loan
5.00%
FOR UP TO 36 MONTHS
▼
APR5.00%
TermFOR UP TO 36 MONTHS
Last UpdatedApr 25, 2026
Details
Rates as low as
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedApr 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos 12 to 60 Months
5.09%
12 to 60
▼
APR5.09%
Term12 to 60
Last UpdatedApr 18, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedApr 18, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos Any Model Year
5.09%
12 to 48 Months
▼
APR5.09%
Term12 to 48 Months
Last UpdatedApr 18, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
Auto Loan Special
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.19%
76 - 88
▼
APR5.19%
Term76 - 88
Last UpdatedApr 19, 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%
Automobiles
5.19%
73 - 84 months
▼
APR5.19%
Term73 - 84 months
Last UpdatedApr 25, 2026
Details
As Low As; 2023 - 2026
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedApr 18, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2017-2019
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2020-2021
5.24%
Up to 72 Months > $15k
▼
APR5.24%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Auto Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2018-2024 Model Years
5.24%
2024 Mo
▼
APR5.24%
Term2024 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2025-2026 Model Years
5.24%
2026 Mo
▼
APR5.24%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Auto Loans 2024-2019 (up to 100% LTV Max)
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Auto Loans 2026-2025 (up to 100% LTV Max)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022 49-60 months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer 61-72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
Used Auto 2021 & Older
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018)
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Auto/Motocycle
5.25%
Multiple Terms Available
▼
APR5.25%
TermMultiple Terms Available
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2017 to current Used Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2021 and newer
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.34%
up to 48 months
▼
APR5.34%
Termup to 48 months
Last UpdatedApr 25, 2026
Details
As Low As; 2019 & older
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Auto Loan
5.39%
75 Months
▼
APR5.39%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2021 and newer
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2017-2019
5.49%
Up to 72 Months > $15k
▼
APR5.49%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2018-2024 Model Years
5.49%
2024 Mo
▼
APR5.49%
Term2024 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Vibe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Vehicle Loans 2025-2026 Model Years
5.49%
2026 Mo
▼
APR5.49%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr =annual percent
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Auto Loans 2024-2019 (up to 100% LTV Max)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Auto Loans 2026-2025 (up to 100% LTV Max)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022 61-72 months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2022-2024 Automobiles
5.49%
12 to 36 months
▼
APR5.49%
Term12 to 36 months
Last UpdatedApr 19, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2025 Automobiles
5.49%
48 to 60 months
▼
APR5.49%
Term48 to 60 months
Last UpdatedApr 19, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.49%
40 - 64
▼
APR5.49%
Term40 - 64
Last UpdatedApr 19, 2026
Details
As Low As; Minimum Loan Amount $7,500
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Vehicle
5.49%
Up to 36
▼
APR5.49%
TermUp to 36
Last UpdatedApr 25, 2026
Details
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles (2024 & newer)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loan
5.50%
61-72 months (current plus 6 model years old)
▼
APR5.50%
Term61-72 months (current plus 6 model years old)
Last UpdatedApr 19, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Auto Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2020 and older
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
USED AUTO 18-24 MODELS
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months, Longer Terms/Rates available - call for details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.55%
60 Months
▼
APR5.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
New Auto Loans: 49 to 60 Months
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.55%
60 Months
▼
APR5.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
49 to 60 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedApr 19, 2026
Details
37 to 48 months
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedApr 19, 2026
Details
Used Auto Loans: 37 to 48 months
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.58%
36 Months
▼
APR5.58%
Term36 Months
Last UpdatedApr 19, 2026
Details
Up to 36 Months
Powered by
MonitorBankRates
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: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedApr 18, 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: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedApr 19, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
NEW VEHICLES
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months - Longer terms/rates available, call for details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer Up to 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles (2024 & newer)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New - Model Years 2025 to 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2025 Automobiles
4.99%
12 to 36 months
▼
APR4.99%
Term12 to 36 months
Last UpdatedApr 19, 2026
Details
with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedApr 19, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Newer Autos, 2024 and newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
New Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loan
5.00%
FOR UP TO 36 MONTHS
▼
APR5.00%
TermFOR UP TO 36 MONTHS
Last UpdatedApr 25, 2026
Details
Rates as low as
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedApr 18, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedApr 18, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer 61-72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr =annual percent
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
New Auto - 2026-2024 with less than 25,000 miles
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2025 Automobiles
5.49%
48 to 60 months
▼
APR5.49%
Term48 to 60 months
Last UpdatedApr 19, 2026
Details
with auto pay from your UCCU saving or checking account
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 19, 2026
Details
As Low As
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Vehicle
5.49%
Up to 36
▼
APR5.49%
TermUp to 36
Last UpdatedApr 25, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles (2024 & newer)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.55%
60 Months
▼
APR5.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
New Auto Loans: 49 to 60 Months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedApr 19, 2026
Details
37 to 48 months
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto Loans
5.58%
36 Months
▼
APR5.58%
Term36 Months
Last UpdatedApr 19, 2026
Details
Up to 36 Months
Powered by
MonitorBankRates
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: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedApr 19, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
3.35%
24 Months
▼
APR3.35%
Term24 Months
Last UpdatedApr 19, 2026
Details
Used Auto Loans: Up to 24 months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New or Used Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR is Annual Percentage Rate.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedApr 18, 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: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Auto Loan
4.60%
Up to 36
▼
APR4.60%
TermUp to 36
Last UpdatedApr 18, 2026
Details
Regular APR: 4.60% - 13.45%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
New & Used Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023)
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedApr 22, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2020-2021
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
BlueOx Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
New and Used Vehicle Loans
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New - Model Years 2025 to 2026
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
Used Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicle, 2022 and Newer
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2017-2019
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2020-2021
5.24%
Up to 72 Months > $15k
▼
APR5.24%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
Used Auto 2021 & Older
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018)
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
Term Based on Loan Amount - Up to 84 Months; Credit Score: 700-749
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Auto/Motocycle
5.25%
Multiple Terms Available
▼
APR5.25%
TermMultiple Terms Available
Last UpdatedApr 18, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2017 to current Used Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans (2026-2022)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Used Vehicle, 2017-2019
5.49%
Up to 72 Months > $15k
▼
APR5.49%
TermUp to 72 Months > $15k
Last UpdatedApr 18, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.34%
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
USED AUTO 18-24 MODELS
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months, Longer Terms/Rates available - call for details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.55%
60 Months
▼
APR5.55%
Term60 Months
Last UpdatedApr 19, 2026
Details
49 to 60 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto Loans
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedApr 19, 2026
Details
Used Auto Loans: 37 to 48 months
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MonitorBankRates
Houghton Lake Heights, MI Auto Loan Rate Trends
Compare local Houghton Lake Heights, MI 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
5.284%
▼ 0.018 vs 7 days ago
Michigan new auto rates fell 0.018 points over the past 7 days to 5.284% APR.
Used Auto Loan — MI Avg
5.644%
▼ 0.027 vs 7 days ago
Michigan used auto rates fell 0.027 points over the past 7 days to 5.644% APR.
As of Apr 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Houghton Lake Heights, Michigan
How does my credit score affect my car loan rate in Michigan?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Houghton Lake Heights, Michigan with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Michigan *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Houghton Lake Heights, Michigan typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Houghton Lake Heights, Michigan?
Based on our current data, some of the lowest auto loan rates available in Houghton Lake Heights, Michigan include:
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- Jolt Credit Union: 3.35% (Used Auto Loans)
- Genisys Credit Union: 3.79% (New or Used Auto Loans)
- United Federal Credit Union: 3.95% (Fixed Rate New & Used Auto Loans)
- Family Financial Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Houghton Lake Heights, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026
Houghton Lake Heights, Michigan Rates & Resources
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