Credit union · NCUA insured
ABD Federal Credit Union Auto Loan Rates
ABD Federal Credit Union auto loans start at 4.75% APR for a new vehicle. Rates checked October 16, 2026.
How ABD Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where ABD Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ABD Federal Credit Union
4.75%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
ABD Federal Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ABD Federal 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.
New Auto Loans
Rates are based on a 725 credit score. Auto rates range from 3.25% to 15.50%. Amount and rate are subject to credit score, seniority, job stability, and other factors determined by credit committee. Requires a share savings account. 84-month term on new vehicles only based on credit score. 10% down payment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.75% | Rate based on 725 credit score. 84 month term on new vehicles only based on credit score. 10% down payment required. |
Sources (4)
All captured Oct 16, 2026
New and Used Auto Loans
Rates are based on a 725 credit score. Auto rates range from 3.25% to 15.50%. Amount and rate are subject to credit score, seniority, job stability, and other factors determined by credit committee. Requires a share savings account. Used vehicles must be 2016 or newer with maximum terms of 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | Rate based on 725 credit score. For used vehicles: 2016 or newer, max terms of 72 months. |
| up to 60 months | 4.00% | Rate based on 725 credit score. |
| up to 48 months | 3.75% | Rate based on 725 credit score. |
| up to 36 months | 3.50% | Rate based on 725 credit score. |
| up to 24 months | 3.25% | Rate based on 725 credit score. |
Sources (4)
All captured Oct 16, 2026
Who can join ABD Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of specific partner businesses are eligible for membership.
- Employees and retirees of Stellantis/Fiat Chrysler Automobiles (FCA) who work at designated facilities are eligible for membership.
Other ways
- Individuals referred by a current ABD member through the membership referral program are eligible to join.
Membership information collected October 5, 2026.