Credit union · NCUA insured
Dow Credit Union Auto Loan Rates
Top CarrotDow Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Dow Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Dow Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dow Credit Union
5.49%APR
- Terms
- 49–60 months
- Discount
- None included
Auto Loans [non-rebate]
Lowest rate
GREAT LAKES
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Lake Huron Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
Dow Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dow 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 [non-rebate]
Rates effective 10/13/2026. Rates, terms and conditions, including the 90-day payment deferral, are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Finance charges (interest) will accrue during the no-payment period; payments will be amortized over the monthly loan payments. 90-day payment deferral limited to new and used auto loans. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. All loans subject to approval. Membership required. Other loan limitations may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Payment as low as $29.85 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 37–48 months | 5.24% | Payment as low as $23.14 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 49–60 months | 5.49% | Payment as low as $19.10 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 61–72 months | 5.74% | Payment as low as $16.45 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 73–84 months | 5.74% | Payment as low as $14.48 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 85–96 months | 6.24% | Payment as low as $13.26 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
Sources (1)
- dowcreditunion.org/loans/auto · captured Oct 16, 2026
Auto Loans [rebate eligible]
Rates effective 10/13/2026. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership required. Other loan limitations may apply. While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.18% | Payment as low as $30.50 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 37–48 months | 6.80% | Payment as low as $23.85 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 49–60 months | 7.11% | Payment as low as $19.85 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 61–72 months | 7.43% | Payment as low as $17.25 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 73–84 months | 7.43% | Payment as low as $15.30 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
| 85–96 months | 8.05% | Payment as low as $14.16 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. |
Sources (1)
- dowcreditunion.org/loans/auto · captured Oct 16, 2026
Who can join Dow Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone living outside Michigan can become a member by making a $10 donation to the Multipliers for Good charitable fund.
Where you live or work
- Membership is open to everyone who lives in Michigan.
Cost to join
- Membership requires a $5.00 deposit into a prime savings account representing one share and ownership in the credit union.
- A $10 donation to the Multipliers for Good charitable fund is required to join for those living outside Michigan.
Membership information collected October 5, 2026.