Credit union · NCUA insured
FreeStar Financial Credit Union Auto Loan Rates
FreeStar Financial Credit Union auto loans start at 3.99% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How FreeStar Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where FreeStar Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Car and Truck Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
3rd-lowest rate
Extra Credit Union
4.07%APR
- Terms
- up to 96 months
- Discount
- None included
FreeStar Financial Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
By vehicle
- New vehicleNew3.99%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FreeStar Financial 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 Refinance
Refinancing available through FreeStar Financial Credit Union. Fast approval. Subject to credit score and complete analysis.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Model Year: New or Used Vehicle, 2022 and Newer. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 36 months | 2.99% | Model Year: New or Used Vehicle, 2022 and Newer. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 60 months | 4.74% | Model Year: New or Used Vehicle, 2022 and Newer. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 3.99% | Model Year: New or Used Vehicle, 2022 and Newer. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 4.99% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.24% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.24% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 84 months | 4.49% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $25k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 96 months | 6.49% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $30k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 96 months | 5.74% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $30k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 60 months | 4.99% | Model Year: Used Vehicle, 2020-2021. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 4.24% | Model Year: Used Vehicle, 2020-2021. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 5.24% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.49% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.74% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 84 months | 4.99% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $25k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 60 months | 5.24% | Model Year: Used Vehicle, 2017-2019. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 4.49% | Model Year: Used Vehicle, 2017-2019. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 5.49% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.74% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.99% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 6.74% | Model Year: Used Vehicle, 2016 and Older. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 5.99% | Model Year: Used Vehicle, 2016 and Older. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 6.99% | Model Year: Used Vehicle, 2016 and Older. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 6.24% | Model Year: Used Vehicle, 2016 and Older. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
Sources (2)
All captured Oct 5, 2026
Car and Truck Loans
Bundle with Boomerang Rewards Checking and direct deposit to get 0.25% APR off and 3 months no payments. Loan decision within 1 hour. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Model Year: New or Used Vehicle, 2022 and Newer. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 36 months | 2.99% | Model Year: New or Used Vehicle, 2022 and Newer. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification (Military ID, Retirement ID, or DD214). Cannot be combined with other discounts. |
| up to 60 months | 4.74% | Model Year: New or Used Vehicle, 2022 and Newer. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. Payment example: $20,000 at 4.74% APR for 36 months is $597.12/month. |
| up to 60 months | 3.99% | Model Year: New or Used Vehicle, 2022 and Newer. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 4.99% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.24% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.24% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 84 months | 4.49% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $25k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 96 months | 6.49% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $30k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 96 months | 5.74% | Model Year: New or Used Vehicle, 2022 and Newer. Loan amount greater than $30k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 60 months | 4.99% | Model Year: Used Vehicle, 2020-2021. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 4.24% | Model Year: Used Vehicle, 2020-2021. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 5.24% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.49% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.74% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 84 months | 4.99% | Model Year: Used Vehicle, 2020-2021. Loan amount greater than $25k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 60 months | 5.24% | Model Year: Used Vehicle, 2017-2019. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 4.49% | Model Year: Used Vehicle, 2017-2019. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 5.49% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 4.74% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 84 months | 5.99% | Model Year: Used Vehicle, 2017-2019. Loan amount greater than $25k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 6.74% | Model Year: Used Vehicle, 2016 and Older. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 60 months | 5.99% | Model Year: Used Vehicle, 2016 and Older. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
| up to 72 months | 6.99% | Model Year: Used Vehicle, 2016 and Older. Loan amount greater than $15k. Rate as low as; includes 0.25% discount for Payment Protection coverage OR active checking with full payroll direct deposit of $2,000+/mo. |
| up to 72 months | 6.24% | Model Year: Used Vehicle, 2016 and Older. Loan amount greater than $15k. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts. |
Sources (1)
- freestarfinancial.com/vehicle/auto · captured Oct 5, 2026
Drive Into America's Next 250 Years Auto Refinance
Promotional refinance offer celebrating America's 250th birthday. Offer not valid for existing FreeStar Financial loans. Includes 90 days no payments and 3% cash back up to $600. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Rate is as low as and includes a 0.25% rate discount for payment protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Auto refinances only. Not valid for existing FreeStar Financial loans. Payment example: $20,000 at 3.74% APR for 36 months is $591.60/month. |
Sources (1)
- freestarfinancial.com/america250-auto · captured Oct 5, 2026
First-Time Auto Loan
For first-time buyers looking to finance their first new or used automobile. Must show 6 months employment with same employer, be an existing member for at least 12 months, have DTI below 45%, possess valid Driver's License, and apply in person at any branch. Maximum vehicle loan $15,000. Vehicle must be 10 years or newer. LTV cannot exceed 95% including backend products. New money only.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.24% | Promotional rate example: fully protected loan with credit life/credit disability of $15,000 at 8.24% APR for 60 months ($306.31/month). Rate is as low as based on credit history, term, and determining factors. Vehicle 10 years or newer. LTV max 95%. New money only. |
Sources (1)
- freestarfinancial.com/auto-loans/first-time-auto-buyer · captured Oct 5, 2026
Motorcycle Loans
Motorcycle loans with low rates and flexible terms based on vehicle age and credit history. May extend up to 84 months (fixed rates up to 120 months for over $30,000).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Fixed rate motorcycle loan. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Rate is subject to change at any time without notice. |
| up to 72 months | 5.74% | Fixed rate motorcycle loan. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Rate is subject to change at any time without notice. |
| up to 84 months | 5.99% | Fixed rate motorcycle loan over $10,000. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Rate is subject to change at any time without notice. |
| up to 120 months | 6.74% | Fixed rate motorcycle loan over $30,000. As low as rate includes discounts for Payment Protection coverage OR active checking with a minimum full payroll direct deposit of $2,000 per month. Rate is subject to change at any time without notice. |
Sources (1)
- freestarfinancial.com/vehicle/motorcycle/atvs · captured Oct 5, 2026
Who can join FreeStar Financial 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 the state of Michigan.
Military, government and schools
- Membership is open to military members throughout Michigan.
Membership information collected October 5, 2026.