Credit union · NCUA insured
Alpena Alcona Area Credit Union Auto Loan Rates
Top CarrotAlpena Alcona Area Credit Union auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Alpena Alcona Area Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alpena, MI, where Alpena Alcona Area Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alpena Alcona Area Credit Union
4.25%APR
- Terms
- up to 78 months
New Auto Loan
2nd-lowest rate
Wolverine State Credit Union
4.85%APR
- Terms
- up to 60 months
3rd-lowest rate
HPC Credit Union
4.95%APR
- Terms
- up to 60 months
Alpena Alcona Area Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alpena Alcona Area 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 Loan
Rates may vary depending on each individual's credit history and underwriting factors. Available via direct application or participating indirect dealers for Alpena Alcona Area Credit Union members.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 4.25% | Rate stated is 'as low as' and assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. |
| up to 66 months | 4.25% | Rate stated is 'as low as' and assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. |
| up to 78 months | 4.25% | Rate stated is 'as low as' and assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. |
Used Auto Loan
Rates may vary depending on each individual's credit history and underwriting factors. Available via direct application or participating indirect dealers for Alpena Alcona Area Credit Union members.
| Terms | APR | Conditions |
|---|---|---|
| 72–78 months | 4.75% | Rate stated is 'as low as' and assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. |
Who can join Alpena Alcona Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, own real property, attend school or worship within any county in the State of Michigan are eligible to join.
Employers and groups
- Employees of AAACU are eligible to join.
Family and household
- Immediate families of existing members are eligible to join.
- A spouse of a deceased member is eligible for membership if accepted prior to remarriage.
Other ways
- Any legal entity comprised for the most part of the same general group as the membership of the Credit Union is eligible to join.
Cost to join
- Opening an account requires a $5.00 deposit.
Membership information collected October 5, 2026.