Credit union · NCUA insured
Embers Credit Union Auto Loan Rates
Embers Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Embers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Marquette, MI, where Embers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Embers Credit Union
5.25%APR
- Terms
- up to 60 months
New Auto Loans
2nd-lowest rate
Marquette Community Federal Credit Union
5.60%APR
- Terms
- up to 72 months
Embers Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Embers 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.
New Auto Loans
For cars years 2025 and newer. No downpayment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | — |
| up to 48 months | 4.75% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.30% | — |
| up to 84 months | 6.70% | — |
Used Auto Loans
For cars years 2024 and older. No down payment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | — |
| up to 48 months | 4.75% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.30% | — |
| up to 84 months | 6.70% | — |
Who can join Embers Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.