Credit union · NCUA insured
Extra Credit Union Auto Loan Rates
Top CarrotExtra Credit Union auto loans start at 4.07% APR for a new vehicle and 4.07% for a used one. Rates checked October 16, 2026.
How Extra Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Extra Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Extra Credit Union
4.07%APR
- Terms
- up to 96 months
- Discount
- None included
Vehicle Loans
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
Extra Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew4.07%
- Used vehicleUsed4.07%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Extra 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.
Vehicle Loans
Rates for Extra Credit Union members only. Minimum deposit of $5 in a regular savings account required for membership. Specific rates are based on credit history and determined after application review. Loan processing fee varies from $45 to $75 assessed by loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.07% | Rate as low as 3.99%, APR as low as 4.07%. Based on credit history. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.19 per $1,000 borrowed. |
Who can join Extra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.