Credit union · NCUA insured
Frankenmuth Credit Union Auto Loan Rates
Top CarrotFrankenmuth Credit Union auto loans start at 5.26% APR for a new vehicle and 5.26% for a used one. Rates checked October 16, 2026.
How Frankenmuth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Frankenmuth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Frankenmuth Credit Union
5.26%APR
- Terms
- up to 75 months
- Discount
- None included
Auto Loan
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
Frankenmuth Credit Union auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew5.26%
- Used vehicleUsed5.26%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Frankenmuth 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.
Antique Auto Loan
Antique Auto loan. APR based on sample loan amount of $30,000. Must meet FCU's normal underwriting qualifications. Rates for members residing outside Michigan have 1% added. A loan application fee applies and is included in APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 7.82% | Rate is 7.59%. |
Sources (1)
- frankenmuthcu.org/get-a-loan · captured Oct 5, 2026
Auto Loan
APR based on sample loan amount of $30,000. Must meet FCU's normal underwriting qualifications. Rates for members residing outside Michigan have 1% added for collateralized loans. A loan application fee applies and is included in APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.26% | 2025 or newer vehicle. Rate is 5.10%. |
| up to 63 months | 5.29% | 2024-2022 vehicle. Rate is 5.10%. |
| up to 51 months | 5.33% | 2021-2019 vehicle. Rate is 5.10%. |
| up to 39 months | 5.39% | 2018 and older vehicle. Rate is 5.10%. |
Sources (1)
- frankenmuthcu.org/get-a-loan · captured Oct 5, 2026
Auto Loan Special
Applies to 2019 or newer vehicles, $145 loan app fee, new to FCU money only. Option to defer first payment for 90 days (interest continues to accrue). Rates for members residing outside Michigan have 1% added.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.48% | Vehicle must be 2019 or newer, new to FCU money, max term 48 months, $145 loan app fee. Rate is 4.24%. First payment can be deferred 90 days. |
Sources (2)
All captured Oct 5, 2026
Driving Sense - Lease Look Alike
Driving Sense Lease Look Alike financing option available on current model year to a maximum of 5 model years old (new or used). Flexible terms 24 to 72 months. 90 days no pay offer on new money financed with FCU (interest continues to accrue). Rates for members residing outside Michigan have 1% added.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.15% | Model 5 years old & newer qualify. Rate is 5.10%. Terms up to 72 months (flexible terms 24 to 72 months). |
Sources (2)
All captured Oct 5, 2026
Who can join Frankenmuth Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the state of Michigan is eligible to join.
Military, government and schools
- Anyone who was educated in the state of Michigan is eligible to join.
Family and household
- Relatives of a present Frankenmuth Credit Union member are eligible to join.
Membership information collected October 5, 2026.