Credit union · NCUA insured
Community West Credit Union Auto Loan Rates
Top CarrotCommunity West Credit Union auto loans start at 5.30% APR for a new vehicle and 6.55% for a used one. Rates checked October 16, 2026.
How Community West Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Community West Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community West Credit Union
5.30%APR
- Terms
- up to 60 months
Electric/Hybrid Vehicle Loans (2026-2022)
Lowest rate
Meijer Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
- Terms
- —
Community West Credit Union auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew5.30%
- Used vehicleUsed6.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community West 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.
Electric/Hybrid Vehicle Loans (2021-2016)
Rates accurate as of October 16, 2026. APR may be higher depending on your application. Payment per $1,000 borrowed at 6.30% APR is $16.72 per 72-month term. Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements. Home charging station can be included in your Electric Vehicle Loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.05% | — |
| up to 48 months | 6.05% | — |
| up to 60 months | 6.05% | — |
| up to 72 months | 6.30% | Payment per $1,000 borrowed at 6.30% APR is $16.72 per 72-month term. |
| up to 84 months | 7.05% | — |
Sources (1)
- communitywestcu.org/electric-vehicle-loans · captured Oct 16, 2026
Electric/Hybrid Vehicle Loans (2026-2022)
Rates accurate as of October 16, 2026. APR may be higher depending on your application. Payment per $1,000 borrowed at 5.30% APR is $30.11 per 36-month term. Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements. Home charging station can be included in your Electric Vehicle Loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.30% | Payment per $1,000 borrowed at 5.30% APR is $30.11 per 36-month term. |
| up to 48 months | 5.30% | — |
| up to 60 months | 5.30% | — |
| up to 72 months | 5.55% | — |
| up to 84 months | 6.30% | — |
Sources (1)
- communitywestcu.org/electric-vehicle-loans · captured Oct 16, 2026
First Time Car Buyer Loan (Ages 18-24)
Rates accurate as of October 16, 2026. For ages 18-24. Member can not have a previous car payment on their credit report. A co-signer is required. Autos with over 100,000 miles are subject to an additional .50% rate increase. APR may be higher depending on your application. Payment per $1,000 borrowed at 7.45% APR is $15.49 per 84-month term. Certain loans may have more requirements.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.80% | First Car Loan (2026-2022). Payment per $1,000 borrowed at 7.45% APR is $15.49 per 84-month term. |
| — | 8.30% | First Car Loan (2021-2016). |
Sources (2)
All captured Oct 16, 2026
New & Used Auto Loans (2026-2022)
Rates accurate as of October 16, 2026. APR may be higher depending on your application. Payment per $1,000 borrowed at 5.80% APR is $28.03 per 36-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.80% | Payment per $1,000 borrowed at 5.80% APR is $28.03 per 36-month term. Autos with over 100,000 miles subject to additional .50% rate increase. |
| up to 48 months | 5.80% | — |
| up to 60 months | 5.80% | — |
| up to 72 months | 6.05% | — |
| up to 84 months | 6.80% | — |
Used Auto Loans (2021 & Older)
Rates accurate as of October 16, 2026. APR may be higher depending on your application. Payment per $1,000 borrowed at 6.55% APR is $19.60 per 60-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.55% | Used Auto Loans (2021 \u2013 2016) |
| up to 48 months | 6.55% | Used Auto Loans (2021 \u2013 2016) |
| up to 60 months | 6.55% | Used Auto Loans (2021 \u2013 2016). Payment per $1,000 borrowed at 6.55% APR is $19.60 per 60-month term. |
| up to 72 months | 6.80% | Used Auto Loans (2021 \u2013 2016) |
| up to 84 months | 7.55% | Used Auto Loans (2021 \u2013 2016) |
| up to 60 months | 12.00% | Older Autos (2015 and older, up to 60-month term) |
Who can join Community West 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, work, worship, or attend school in Allegan, Barry, Ionia, Kent, or Ottawa counties are eligible for membership.
Family and household
- Immediate family members of current Community West Credit Union members are eligible for membership.
Other ways
- Any legal entity located in Allegan, Barry, Ionia, Kent, or Ottawa counties is eligible for membership.
- Individuals over age 55 receiving retirement annuity, pension, or social security benefits who live in or belong to a retirement organization operating in Allegan, Barry, Ionia, Kent, or Ottawa counties are eligible for membership.
Cost to join
- A minimum deposit of $5.00 into a regular savings account is required to establish membership as a share of the credit union.
Membership information collected October 5, 2026.