Arbor Financial Credit Union Auto Loan Rates

How Arbor Financial Credit Union’s auto loan rates compare

Compared with banks and credit unions near Kalamazoo, MI, where Arbor Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Arbor Financial Credit Union
5.49%APR
Terms
49–60 months
2026-2025 Auto Loans
Lowest rate
KCCU
4.99%APR
Terms
up to 90 months
KCCU rates
2nd-lowest rate
United Bay Community Credit Union
5.19%APR
Terms
up to 60 months
United Bay Community Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 34% of U.S. banks and credit unions

By vehicle

New vehicleNew5.49%
Used vehicleUsed5.49%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Arbor Financial 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.

2024-2019 Auto Loans

Rates disclosed are the lowest rates available and are determined by credit score and loan to value (up to 100% LTV Max) at time of application. Rates subject to change.

Terms	APR	Conditions
up to 36 months	5.24%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
37–48 months	5.49%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
49–60 months	5.74%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
61–72 months	5.99%	Call for details. Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
73–84 months	8.24%	Call for details. Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
85–96 months	9.49%	Available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.

Sources (1)

arborfcu.org/bank-rates · captured Sep 18, 2026

2026-2025 Auto Loans

Rates disclosed are the lowest rates available and are determined by credit score and loan to value (up to 100% LTV Max) at time of application. Subject to change.

Terms	APR	Conditions
up to 36 months	4.99%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
37–48 months	5.24%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
49–60 months	5.49%	Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
61–72 months	5.74%	Call for details. Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
73–84 months	7.99%	Call for details. Up to 100% LTV Max. Rate determined by credit score and loan to value at time of application.
85–96 months	9.24%	Available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.

Sources (1)

arborfcu.org/bank-rates · captured Sep 18, 2026

Motorcycle Loans

Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. Up to 100% LTV Max. Rates subject to change.

Terms	APR	Conditions
up to 36 months	7.49%	2027-2026 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
37–48 months	7.74%	2027-2026 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
49–60 months	7.99%	2027-2026 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
61–72 months	8.24%	2027-2026 (up to 100% LTV Max). Call for details. Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
73–84 months	8.74%	2027-2026 (up to 100% LTV Max). Call for details. Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
85–96 months	9.99%	2027-2026 (up to 100% LTV Max). 85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.
up to 36 months	7.74%	2025-2020 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
37–48 months	7.99%	2025-2020 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
49–60 months	8.24%	2025-2020 (up to 100% LTV Max). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
61–72 months	8.49%	2025-2020 (up to 100% LTV Max). Call for details. Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
73–84 months	8.99%	2025-2020 (up to 100% LTV Max). Call for details. Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application.
85–96 months	10.24%	2025-2020 (up to 100% LTV Max). 85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.

Sources (2)

All captured Oct 5, 2026

Who can join Arbor Financial Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Anyone who lives, works, or worships in the state of Michigan is eligible to join Arbor Financial Credit Union.

Cost to join

A minimum deposit of $5 is required to open membership when joining.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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