Credit union · NCUA insured
Credit Union ONE Auto Loan Rates
Top CarrotCredit Union ONE auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Credit Union ONE’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Credit Union ONE has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Car Loan
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
Credit Union ONE auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- 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.
Where Credit Union ONE 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 Car Loan
Must have a valid Michigan driver's license to be eligible. Vehicle must be titled in Michigan. Terms up to 90 months for loan requests of at least $3,000. LTV may not exceed 100% exclusive of Guaranteed Asset Protection.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model year 2021 or newer. |
| up to 72 months | 5.25% | Model year 2021 or newer. |
| up to 84 months | 6.00% | Model year 2021 or newer. |
| up to 90 months | 6.50% | Model year 2021 or newer. |
Sources (3)
All captured Oct 9, 2026
Used Car Loan
Must have a valid Michigan driver's license to be eligible. Terms up to 84 months for loan requests of at least $3,000. LTV may not exceed 100% exclusive of Guaranteed Asset Protection.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model year 2021 or newer. |
| up to 72 months | 5.25% | Model year 2021 or newer. |
| up to 84 months | 6.00% | Model year 2021 or newer. |
| up to 60 months | 5.99% | Model year 2016 - 2020. |
| 61–72 months | 6.50% | Model year 2016 - 2020. |
| 73–84 months | 6.99% | Model year 2016 - 2020. |
| up to 60 months | 7.12% | Model year 2011 - 2015. |
| 61–72 months | 7.32% | Model year 2011 - 2015. |
Sources (2)
All captured Oct 9, 2026
Who can join Credit Union ONE
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or goes to school in the State of Michigan.
- Open to anyone who lives, works, worships, or goes to school in Cuyahoga, Lake, Lucas, Sandusky, Summit, or Wood County, Ohio.
Membership information collected October 5, 2026.