Credit union · NCUA insured
Community Choice Credit Union Auto Loan Rates
Community Choice Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Community Choice Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Community Choice Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Choice Credit Union
5.74%APR
- Terms
- 49–60 months
- Discount
- None included
Auto Loans For new and used cars
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
Community Choice Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Choice 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.
Auto Loans For new and used cars
Rate is based on credit history, approximate term, and security offered. Non-members can apply to become a member online.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | 48 monthly payments of $23.48 per $1,000 borrowed. |
| 49–60 months | 5.74% | Minimum loan amount $10,000+. 60 monthly payments of $19.22 per $1,000 borrowed. |
| 61–72 months | 5.74% | Minimum loan amount $18,000+. 72 monthly payments of $16.57 per $1,000 borrowed. |
| 73–84 months | 6.24% | Minimum loan amount $25,000+. 84 monthly payments of $14.73 (or $15.09) per $1,000 borrowed. |
Sources (3)
All captured Oct 5, 2026
Motorcycles and Power Sport Vehicles Loans
50 basis points will be added to the APR for refinance of existing Community Choice loans. Rate is based on credit history, approximate term, and security offered.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.49% | Minimum loan amount $5,000. 60 monthly payments of $20.52 per $1,000 borrowed. 50 basis points added for refinance of existing credit union loans. |
| 61–72 months | 8.74% | Minimum loan amount $10,000. 72 monthly payments of $17.90 per $1,000 borrowed. 50 basis points added for refinance of existing credit union loans. |
| 73–84 months | 9.24% | Minimum loan amount $15,000. 84 monthly payments of $16.22 per $1,000 borrowed. 50 basis points added for refinance of existing credit union loans. |
Sources (1)
- communitychoicecu.com/rates · captured Oct 5, 2026
Who can join Community Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.