Skip to content

Credit union · NCUA insured

Blue Water Federal Credit Union Auto Loan Rates

Blue Water Federal 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 Blue Water Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Detroit, MI, where Blue Water Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    Blue Water Federal Credit Union

    4.99%APR

    Terms
    up to 84 months
    Discount
    None included

    Vehicle/Motorcycle Loans

  • Top Carrot, Carrot Score 98

    Lowest rate

    Chief Financial Credit Union

    3.99%APR

    Terms
    —
    Discount
    None included

    Chief Financial Credit Union rates

  • 2nd-lowest rate

    FreeStar Financial Credit Union

    3.99%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    FreeStar Financial Credit Union rates

Compare auto loan rates near you →

Blue Water Federal Credit Union auto loan score

83

Auto loan score

Higher than 62% of U.S. banks and credit unions

By vehicle
  • 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.

How the score works →

Where Blue Water 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.

Who can join Blue Water Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

  • Federal employees working in specified counties (St. Clair, Huron, Sanilac, Tuscola) or towns (Armada, Memphis, Mt. Clemens, New Baltimore, New Haven, Richmond, St. Clair Shores, Clifford, Imlay City, Lapeer) are eligible for membership.

Family and household

  • Immediate family members of a current credit union member are eligible for membership.
  • Immediate family members of an individual eligible to become a credit union member are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Blue Water Federal Credit Union overview