Credit union · NCUA insured
Financial Plus Credit Union Auto Loan Rates
Financial Plus Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Financial Plus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Flint, MI, where Financial Plus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Financial Plus Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vehicle Loans (2026-2021 Models)
Lowest rate
Sovita Credit Union
4.70%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Financial Plus Credit Union auto loan score
79
Auto loan score
Higher than 48% 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 Financial Plus 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 Loan Refinance (Switch + Save)
Subject to approval based on creditworthiness. Rates may vary based on credit history and underwriting factors. Credit Union will reduce the rate of existing non-Financial Plus loan by 1% (subject to a minimum rate of 3.99% APR for auto, 4.99% APR for boat, 5.49% APR for RV, and 5.99% APR for motorcycle and powersport loans). Proof of current rate and terms required. Promotion only applicable to secured auto, boat, RV, motorcycle, and powersport loans. Does not apply to existing loans with the Credit Union, purchases or lease buyouts. Cannot be combined with Loyalty Rate Discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | When refinancing current non-Financial Plus auto loan; reduces current rate by 1% subject to 3.99% APR floor. Subject to approval based on creditworthiness. Cannot be combined with Loyalty Rate Discounts. |
Vehicle Loans (2016 & older Models)
Rate includes 1.00% Loyalty Discount for enrolling in direct deposit and auto pay. Loyalty Rate Discounts exclude lines of credit, mortgage, home equity, commercial and other unsecured loans. Direct Deposit of payroll required. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. Rates, terms, and conditions subject to change and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.49% | Model years 2016 & older; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
Sources (1)
- myfpcu.com/rates · captured Oct 5, 2026
Vehicle Loans (2020-2017 Models)
Rate includes 1.00% Loyalty Discount for enrolling in direct deposit and auto pay. Loyalty Rate Discounts exclude lines of credit, mortgage, home equity, commercial and other unsecured loans. Direct Deposit of payroll required. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. Rates, terms, and conditions subject to change and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24% | Model years 2020-2017; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
| up to 72 months | 6.74% | Model years 2020-2017; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
Sources (1)
- myfpcu.com/rates · captured Oct 5, 2026
Vehicle Loans (2026-2021 Models)
Rate includes 1.00% Loyalty Discount for enrolling in direct deposit and auto pay. Loyalty Rate Discounts exclude lines of credit, mortgage, home equity, commercial and other unsecured loans. Direct Deposit of payroll required. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. Rates, terms, and conditions subject to change and vary based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Model years 2026-2021; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
| up to 60 months | 4.99% | Model years 2026-2021; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
| up to 75 months | 5.24% | Model years 2026-2021; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
| up to 84 months | 5.74% | Model years 2026-2021; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained. |
Sources (1)
- myfpcu.com/rates · captured Oct 5, 2026
Who can join Financial Plus Credit Union
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