Auto Loan Rates in Southgate, Michigan (MI) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 Southgate, Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Southgate, Michigan include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering New and Used Auto Loans at 3.25%, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 5.38% offering Auto Loan at 3.50%, People Driven Credit UnionPeople Driven Credit UnionA+5.0 ★Texas Ratio: 4.69% offering 2026 Auto Loan Special at 3.74%, Chief Financial Federal Credit UnionChief Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.24% offering Auto Loan at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Southgate borrowers have access to 61 lenders serving the Michigan area, with auto loan rates as low as 2.99% APR from United 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 Southgate, Michigan. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Southgate, Michigan & Surrounding Area
Southgate Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
Auto Loan
3.50%
Up to 60 months
▼
APR3.50%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2026 Auto Loan Special
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedJul 16, 2026
Details
Lock In a Rate as Low As; 1
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan
3.74%
?36 months
▼
APR3.74%
Term?36 months
Last UpdatedJul 16, 2026
Details
As Low As; Rates Effective as of:
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
3.99%
2025 and Newer
▼
APR3.99%
Term2025 and Newer
Last UpdatedJul 6, 2026
Details
As Low As; Rate for 2025 and Newer vehicles
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Vehicle Loans
4.07%
Up to 96 Months
▼
APR4.07%
TermUp to 96 Months
Last UpdatedJul 16, 2026
Details
As Low As; Specific rates are based on credit history and are determined after the application is reviewed. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.19 per $1,000 borrowed.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loans
4.24%
24-36 months
▼
APR4.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car Loan
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.24%
Up to 60 Months
▼
APR4.24%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Auto Loan
4.25%
12 to 60 Months
▼
APR4.25%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
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 UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Auto Loan Special
4.48%
48 months
▼
APR4.48%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedJul 15, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan Rate
4.49%
Flexible Terms Available
▼
APR4.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan
4.49%
Flexible Terms Available
▼
APR4.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedJul 16, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedJul 15, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
Green Vehicle Loan
4.60%
24 months
▼
APR4.60%
Term24 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
APR4.60%
Term66 months
Last UpdatedJul 16, 2026
Details
As Low As; Earn $250 When You Refi; no payments for the first 90 days
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
4.60%
Up to 66 Months
▼
APR4.60%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedJul 15, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
APR4.74%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; new or used
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023) Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 16, 2026
Details
Rates Effective as of:
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Rebuilt & Salvage Title Auto Loan
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 16, 2026
Details
As Low As; Rates Effective as of:
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
Vehicle Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $10k
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Loan Amount: n/a
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Vehicles Loan
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
New Vehicles (2024 & newer)
APR4.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
Lake Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New Vehicles Loan
4.75%
Terms vary, contact Credit Union for details.
▼
APR4.75%
TermTerms vary, contact Credit Union for details.
Last UpdatedJul 16, 2026
Details
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; 84 month term on new vehicles only based on credit score.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - 49 to 60 Months
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - 37 to 48 Months
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - Up to 36 Months
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
Green Vehicle Loan
4.85%
36 months
▼
APR4.85%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
Green Vehicle Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedJul 15, 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 UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
4.99%
Up to 75 months
▼
APR4.99%
TermUp to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Terms and conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
Vehicle Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $15k
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As*; 2026-2025 (up to 100% LTV Max)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2019-2022
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedJul 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
New Auto - 2026-2024 with less than 25,000 miles
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New 2025-2026 Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Down Payment: 0; with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedJul 16, 2026
Details
Rate includes an asterisk indicating potential additional terms or conditions.
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Auto Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
Annual Percentage Rate
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Newer Autos, 2024 and newer
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As low as
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
borrowing over $25,000.00 72 months
▼
APR4.99%
Termborrowing over $25,000.00 72 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As;*
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles 1-2 years old Loan
4.99%
Terms available up to 96 months
▼
APR4.99%
TermTerms available up to 96 months
Last UpdatedJul 16, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 1-2 years old Loan
4.99%
Terms available up to 84 months
▼
APR4.99%
TermTerms available up to 84 months
Last UpdatedJul 16, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 2-4 years old Loan
4.99%
Terms available up to 72 months
▼
APR4.99%
TermTerms available up to 72 months
Last UpdatedJul 16, 2026
Details
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; For up to 36 months
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 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%
Used Auto 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
New Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Used Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
As Low As
Lake Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicles Loan
5.00%
Terms vary, contact Credit Union for details.
▼
APR5.00%
TermTerms vary, contact Credit Union for details.
Last UpdatedJul 16, 2026
Details
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Used Auto Loan
5.05%
12 to 60 Months
▼
APR5.05%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
Green Vehicle Loan
5.05%
60 months
▼
APR5.05%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedJul 15, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.09%
up to 48 months
▼
APR5.09%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2019 & older
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loans
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedJul 16, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates are based on the applicant(s) credit score.
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Autos Any Model Year
5.09%
12 to 48 Months
▼
APR5.09%
Term12 to 48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates are based on the applicant(s) credit score.
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.10%
Up to 75 Months
▼
APR5.10%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $15,000 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2023 - 2026
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedJul 15, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
5.24%
Up to 84 months
▼
APR5.24%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2019 & older
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loans
5.24%
24-36 months
▼
APR5.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018) Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates are based on the applicant(s) credit score.
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 UpdatedJul 16, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan
5.24%
73-84 months
▼
APR5.24%
Term73-84 months
Last UpdatedJul 16, 2026
Details
Rates Effective as of:
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Rebuilt & Salvage Title Auto Loan
5.24%
73-84 months
▼
APR5.24%
Term73-84 months
Last UpdatedJul 16, 2026
Details
As Low As; Rates Effective as of:
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
Vehicle Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; $10,000.00 or greater
University of Michigan Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.61%
Auto Loan
5.24%
Up to 36 Months
▼
APR5.24%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
Auto Loan
5.24%
37 - 48 months
▼
APR5.24%
Term37 - 48 months
Last UpdatedJul 16, 2026
Details
As Low As*; 2026-2025 (up to 100% LTV Max)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2019-2022
5.24%
49-60 months
▼
APR5.24%
Term49-60 months
Last UpdatedJul 16, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJul 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
▼
APR5.24%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
▼
APR5.24%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Electric Vehicle Auto Loan Rate
5.24%
Flexible Terms Available
▼
APR5.24%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Electric Vehicle Auto Loan Rate
5.24%
Flexible Terms Available
▼
APR5.24%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Team One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
Rate includes asterisk.
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJul 16, 2026
Details
As Low As; Loan Amount: >15,000.00
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 5-6 years old Loan
5.24%
Terms available up to 72 months
▼
APR5.24%
TermTerms available up to 72 months
Last UpdatedJul 16, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
Green Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
APR5.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles Loan
5.25%
Up to 60 months
▼
APR5.25%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
Used Cars (2019-2021) Loan
5.29%
36-48 Months
▼
APR5.29%
Term36-48 Months
Last UpdatedJul 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
APR5.30%
Term72 Months
Last UpdatedJul 16, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedJul 16, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.35%
Up to 84 Months
▼
APR5.35%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $30,000 Minimum
Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
Auto Loan New - 2024
5.39%
Up to 36 months
▼
APR5.39%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.39%
75 months
▼
APR5.39%
Term75 months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
5.49%
2024-2017
▼
APR5.49%
Term2024-2017
Last UpdatedJul 6, 2026
Details
As Low As; Rate for 2024-2017 vehicles
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
Used Cars (2019-2021) Loan
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJul 12, 2026
Details
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Vehicle Loan
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
100% Financing
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
Vehicle Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000.00 or greater
Arbor Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.41%
Auto Loan
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedJul 16, 2026
Details
As Low As*; 2026-2025 (up to 100% LTV Max)
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2019-2022
5.49%
61-72 months
▼
APR5.49%
Term61-72 months
Last UpdatedJul 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates listed above are estimates, and may vary by term selected.
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83 months
▼
APR5.49%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83 months
▼
APR5.49%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan (8 years and older)
5.49%
Flexible Terms Available
▼
APR5.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
Auto Loan New - 2024
5.49%
Up to 48 months
▼
APR5.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
2022-2024 Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
Down Payment: 0; with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New 2024-2025 Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Down Payment: 0; with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
Annual Percentage Rate
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Newer Autos, 2024 and newer
5.49%
Up to 48 months
▼
APR5.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As low as
Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Auto Loan Special
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedJul 16, 2026
Details
2024 & Newer
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
2024 and Newer Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Loan Amount: >25,000.00
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
5.49%
borrowing over $35,000.00 84 months
▼
APR5.49%
Termborrowing over $35,000.00 84 months
Last UpdatedJul 16, 2026
Details
As Low As; apr =annual percent
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Southgate New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loans
4.24%
24-36 months
▼
APR4.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car Loan
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.24%
Up to 60 Months
▼
APR4.24%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Auto Loan
4.25%
12 to 60 Months
▼
APR4.25%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedJul 15, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan Rate
4.49%
Flexible Terms Available
▼
APR4.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedJul 16, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedJul 15, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
4.60%
Up to 66 Months
▼
APR4.60%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedJul 15, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $10k
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
New Auto - 2026-2024 with less than 25,000 miles
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Vehicles Loan
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
New Vehicles (2024 & newer)
APR4.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.75%
Up to 60 months
▼
APR4.75%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
Lake Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
New Vehicles Loan
4.75%
Terms vary, contact Credit Union for details.
▼
APR4.75%
TermTerms vary, contact Credit Union for details.
Last UpdatedJul 16, 2026
Details
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; 84 month term on new vehicles only based on credit score.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Auto Loan
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Auto 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
4.99%
Up to 75 months
▼
APR4.99%
TermUp to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Terms and conditions apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $15k
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedJul 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
New Auto - 2026-2024 with less than 25,000 miles
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New 2025-2026 Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Down Payment: 0; with auto pay from your UCCU saving or checking account
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedJul 16, 2026
Details
Rate includes an asterisk indicating potential additional terms or conditions.
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Auto Loan
4.99%
up to 36 months
▼
APR4.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
Annual Percentage Rate
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Newer Autos, 2024 and newer
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As low as
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
borrowing over $25,000.00 72 months
▼
APR4.99%
Termborrowing over $25,000.00 72 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As;*
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles 1-2 years old Loan
4.99%
Terms available up to 96 months
▼
APR4.99%
TermTerms available up to 96 months
Last UpdatedJul 16, 2026
Details
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; For up to 36 months
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
New Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Autos 2018 - Newer
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates are based on the applicant(s) credit score.
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.10%
Up to 75 Months
▼
APR5.10%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $15,000 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Vehicles Loan
5.24%
Up to 84 months
▼
APR5.24%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loans
5.24%
24-36 months
▼
APR5.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Autos 2021 - Newer
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates are based on the applicant(s) credit score.
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 UpdatedJul 16, 2026
Details
As Low As
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Auto Loans 2023 & Newer
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJul 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
▼
APR5.24%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Electric Vehicle Auto Loan Rate
5.24%
Flexible Terms Available
▼
APR5.24%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
APR5.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
APR5.30%
Term72 Months
Last UpdatedJul 16, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.35%
Up to 84 Months
▼
APR5.35%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $30,000 Minimum
Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
Auto Loan New - 2024
5.39%
Up to 36 months
▼
APR5.39%
TermUp to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3
Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
New Auto Loan 2021 and newer
5.39%
75 months
▼
APR5.39%
Term75 months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Vehicle Loan
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
100% Financing
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 16, 2026
Details
Rates listed above are estimates, and may vary by term selected.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83 months
▼
APR5.49%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
Auto Loan New - 2024
5.49%
Up to 48 months
▼
APR5.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.3
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New 2024-2025 Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
Down Payment: 0; with auto pay from your UCCU saving or checking account
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Newer Autos, 2024 and newer
5.49%
Up to 48 months
▼
APR5.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As low as
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
2024 and Newer Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; *
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
5.49%
borrowing over $35,000.00 84 months
▼
APR5.49%
Termborrowing over $35,000.00 84 months
Last UpdatedJul 16, 2026
Details
As Low As; apr =annual percent
Powered by
MonitorBankRates
Southgate Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.24%
Up to 60 Months
▼
APR4.24%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 16, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $5k
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan
4.49%
Flexible Terms Available
▼
APR4.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
4.60%
Up to 66 Months
▼
APR4.60%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023) Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $10k
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 1-5 Model Year Old (2025-2021)
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - 49 to 60 Months
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - 37 to 48 Months
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used Auto Loan - Up to 36 Months
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
New/Used Vehicle Loan
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedJul 16, 2026
Details
Minimum Loan Amount: Min $15k
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
New & Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As;*
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 1-2 years old Loan
4.99%
Terms available up to 84 months
▼
APR4.99%
TermTerms available up to 84 months
Last UpdatedJul 16, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 2-4 years old Loan
4.99%
Terms available up to 72 months
▼
APR4.99%
TermTerms available up to 72 months
Last UpdatedJul 16, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 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%
Used Auto 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Used Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Used Vehicles Loan
5.00%
Terms vary, contact Credit Union for details.
▼
APR5.00%
TermTerms vary, contact Credit Union for details.
Last UpdatedJul 16, 2026
Details
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Used Auto Loan
5.05%
12 to 60 Months
▼
APR5.05%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedJul 15, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.10%
Up to 75 Months
▼
APR5.10%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $15,000 Minimum
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedJul 15, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018) Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 1-5 Model Year Old (2025-2021)
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
▼
APR5.24%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; Auto Pay from DFCU Account
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Electric Vehicle Auto Loan Rate
5.24%
Flexible Terms Available
▼
APR5.24%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Vehicles 5-6 years old Loan
5.24%
Terms available up to 72 months
▼
APR5.24%
TermTerms available up to 72 months
Last UpdatedJul 16, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 16, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles Loan
5.25%
Up to 60 months
▼
APR5.25%
TermUp to 60 months
Last UpdatedJul 16, 2026
Details
As Low As; apr = annual percent rate
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
Used Cars (2019-2021) Loan
5.29%
36-48 Months
▼
APR5.29%
Term36-48 Months
Last UpdatedJul 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Autos
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedJul 16, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New & Used Auto Loan
5.35%
Up to 84 Months
▼
APR5.35%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Year: 2019-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $30,000 Minimum
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Auto 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New & Used Auto Loans (2026-2022)
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedJul 16, 2026
Details
As Low As; APR*
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
Used Cars (2019-2021) Loan
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJul 12, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.11%
Used Auto 5+ Model Year & Older (2020 & older)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83 months
▼
APR5.49%
Term61 to 83 months
Last UpdatedJul 16, 2026
Details
As Low As; without Auto Pay
Compass Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Used Auto Loan (8 years and older)
5.49%
Flexible Terms Available
▼
APR5.49%
TermFlexible Terms Available
Last UpdatedJul 16, 2026
Details
As Low As; *
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
Annual Percentage Rate
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Southgate, MI Auto Loan Rate Trends
Compare local Southgate, 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
5.718%
▲ 0.112 vs 7 days ago
Michigan new auto rates rose 0.112 points over the past 7 days to 5.718% APR.
Used Auto Loan — MI Avg
6.388%
▲ 0.257 vs 7 days ago
Michigan used auto rates rose 0.257 points over the past 7 days to 6.388% APR.
As of Jul 16, 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 Southgate, 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 Southgate, 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 Southgate, 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 Southgate, 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 Southgate, 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 Southgate, 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 Southgate, Michigan?
Based on our current data, some of the lowest auto loan rates available in Southgate, Michigan include:
- United Federal Credit Union: 2.99% (Auto Loan)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- Diversified Members Credit Union: 3.50% (Auto Loan)
- People Driven Credit Union: 3.74% (2026 Auto Loan Special)
- Chief Financial Federal Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Southgate, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Southgate, Michigan Rates & Resources
Rate Assistant
MonitorBankRates.com · Live Data
Try asking