Credit union · NCUA insured
Circle Federal Credit Union Auto Loan Rates
Top CarrotCircle Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.25% for a used one. Rates checked October 16, 2026.
How Circle Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near South Bend, IN-MI, where Circle Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Circle Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 7.25% APR
- Discount
- None included
New & Used Vehicle
Lowest rate
TLCU Financial
4.24%APR
- Terms
- —
- Up to
- —
- Discount
- None included
3rd-lowest rate
Policemen's Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Circle Federal Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Circle 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 & Used Vehicle
Membership required. Must qualify for Membership. Term based on loan amount up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.25%–7.25% | Rate with 0% Down; Term based on loan amount; Lowest rate requires 750+ credit score, highest rate for 649 and below |
Smart Start Auto Loan Program
Must be a member of Circle Federal Credit Union for at least 2 years with an active account. Maximum loan amount $15,000. 20% down required (based on the purchase price plus tax and title fees). No co-signer is required if criteria is met. First-time auto buyers with little or no credit history and no derogatory credit history. Vehicles with salvage titles are not eligible.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.00% | Up to 48 Months (4 Years); 20% down required; maximum loan amount $15,000; member for at least 2 years |
Sources (2)
All captured Oct 5, 2026
Who can join Circle Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Employers and groups
- Individuals who work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Military, government and schools
- Individuals who attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Family and household
- Eligible immediate family and household members of a Circle FCU member may qualify for membership regardless of employment or residency.
Other ways
- Individuals who worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Cost to join
- Membership begins by establishing ownership with a Share Savings Account.
Membership information collected October 5, 2026.