Credit union · NCUA insured
AAC Credit Union Auto Loan Rates
Top CarrotAAC Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How AAC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where AAC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AAC Credit Union
4.99%APR
- Terms
- up to 60 months
AUTO - 2019 & NEWER
Lowest rate
Meijer Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
- Terms
- —
AAC Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AAC Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
AUT0 - 2018 & OLDER
Includes autos, vans, and trucks. Will finance up to 95% of retail value according to NADA. Rates are as low as and based on credit performance / risk-based pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
| up to 60 months | 5.49% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
| up to 72 months | 5.99% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
Sources (2)
All captured Oct 5, 2026
AUTO - 2019 & NEWER
Includes autos, vans, and trucks. Will finance up to 95% of retail value according to NADA. Rates are as low as and based on credit performance / risk-based pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
| up to 60 months | 4.99% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
| up to 72 months | 5.49% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
| up to 84 months | 5.99% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
Sources (2)
All captured Oct 5, 2026
Classic Cars
Includes autos, vans, and trucks. Will finance up to 95% of retail value according to NADA. Rates are as low as and based on credit performance / risk-based pricing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.49% | Rates are as low as; individual rates are based on credit performance. Will finance up to 95% of NADA retail value. |
Sources (2)
All captured Oct 5, 2026
Who can join AAC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Kent, Muskegon, Ottawa, Barry, or Allegan counties.
Cost to join
- Opening a savings account with a $5 deposit is required to begin membership.
Membership information collected October 5, 2026.