Credit union · NCUA insured
Gratiot Community Credit Union Auto Loan Rates
Top CarrotGratiot Community Credit Union auto loans start at 6.15% APR for a new vehicle and 6.15% for a used one. Rates checked October 16, 2026.
How Gratiot Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alma, MI, where Gratiot Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gratiot Community Credit Union
6.15%APR
- Terms
- 48+ months
2020 & Newer Auto/RV's Loans
Lowest rate
Journey Federal Credit Union
4.49%APR
- Terms
- —
Gratiot Community Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- New vehicleNew6.15%
- Used vehicleUsed6.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gratiot Community 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.
2019 & Older Auto/RV's Loans
Rates as low as stated. Rate based on term and credit worthiness. Long terms available. Contact loan department for details. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| 48+ months | 7.15% | Rates as low as stated. 48 Months; longer terms available. Rate based on term and credit worthiness. |
Sources (1)
- gratiotcu.org/rates/loan-rates · captured Oct 7, 2026
2020 & Newer Auto/RV's Loans
Rates as low as stated. Rate based on term and credit worthiness. Long terms available. Contact loan department for details. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| 48+ months | 6.15% | Rates as low as stated. 48 Months; longer terms available. Rate based on term and credit worthiness. |
Sources (1)
- gratiotcu.org/rates/loan-rates · captured Oct 7, 2026
Who can join Gratiot Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Gratiot, Mecosta, Isabella, Midland, Montcalm, Saginaw, Ionia, Clinton, or Shiawassee county are eligible to become a member.
Family and household
- Immediate family members of an existing member are eligible to join Gratiot Community Credit Union.
Cost to join
- Joining requires opening a regular share account with a minimum $5.00 deposit that must remain in the account to represent a share of the Credit Union.
Membership information collected October 5, 2026.