Credit union · NCUA insured
Consumers Credit Union Auto Loan Rates
Consumers Credit Union auto loans start at 6.40% APR for a new vehicle and 6.40% for a used one. Rates checked October 16, 2026.
How Consumers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Consumers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Consumers Credit Union
6.40%APR
- Terms
- up to 96 months
Automobile Loans
Lowest rate
KCCU
4.99%APR
- Terms
- up to 90 months
2nd-lowest rate
United Bay Community Credit Union
5.19%APR
- Terms
- up to 60 months
Consumers Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.40%
- Used vehicleUsed6.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Consumers 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.
Automobile Loans
Loans available for both new and used vehicles. No prepayment penalties. 90-day payment deferral option is available subject to credit approval (requires credit score of 690 or higher and vehicle collateral model year 2018 or newer); interest begins accruing on loan disbursement date. Rates depend on credit qualifications, collateral, term selected, and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.40% | Rates shown reflect lowest APR available and may not be available for all loan terms; longer repayment terms may result in higher APRs. Rate depends on credit qualifications, collateral, term selected, and other factors. 90-day payment deferral available subject to credit approval for applicants with credit score of 690+ and vehicle collateral model year 2018 or newer; interest accrues from disbursement date. |
Sources (2)
All captured Oct 16, 2026
Who can join Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living, working, or worshiping in Allen, DeKalb, Elkhart, Laporte, Porter, St. Joseph, and Steuben counties in Indiana.
- Membership is open to anyone who lives, works, or worships in Michigan.
Employers and groups
- Membership is open to individuals who donate $5 to Special Olympics Michigan (SOMI) and sign up for their email newsletter.
Cost to join
- A $25 share deposit is reserved in savings to establish membership ownership.
Membership information collected October 5, 2026.