Credit union · NCUA insured
Downriver Community Federal Credit Union Auto Loan Rates
Downriver Community Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Downriver Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Downriver Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Downriver Community Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto 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
Downriver Community Federal Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Downriver Community Federal 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.
Motorcycle Loans
Individual rate (APR) will be determined based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.50% | Rate as low as 8.50% APR for new motorcycles up to 60 months. Individual rate determined based on credit score. |
| up to 72 months | 9.50% | Rate as low as 9.50% APR for new motorcycles up to 72 months. Individual rate determined based on credit score. |
| up to 48 months | 8.99% | Rate as low as 8.99% APR for used motorcycles up to 48 months. Individual rate determined based on credit score. |
| up to 60 months | 9.99% | Rate as low as 9.99% APR for used motorcycles up to 60 months. Individual rate determined based on credit score. |
Sources (1)
- downrivercu.com/rates · captured Oct 5, 2026
New Auto Loan
Individual APR is determined based on credit score. Loan applications submitted through the indirect car buying service are not eligible for current auto loan promotions.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rate as low as 4.99% APR for terms up to 84 months. Individual APR is determined based on credit score. |
Sources (3)
All captured Oct 5, 2026
Used Auto Loan
Individual APR is determined based on credit score. Loan applications submitted through the indirect car buying service are not eligible for current auto loan promotions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Rate as low as 5.99% APR for terms up to 60 months. Individual APR is determined based on credit score. |
Sources (3)
All captured Oct 5, 2026
Who can join Downriver Community Federal 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 who lives, works, worships, or attends school in Wayne or Monroe Counties.
Cost to join
- Applying for membership requires opening a Prime Share Savings Account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.