Credit union · NCUA insured
GREAT LAKES Auto Loan Rates
Top CarrotGREAT LAKES auto loans start at 4.39% APR for a new vehicle and 4.87% for a used one. Rates checked October 5, 2026.
How GREAT LAKES’s auto loan rates compare
Compared with banks and credit unions near Bay City, MI, where GREAT LAKES has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
GREAT LAKES
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
2nd-lowest rate
Lake Huron Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
Jolt Credit Union
4.79%APR
- Terms
- 49–60 months
- Discount
- None included
GREAT LAKES auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.87%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GREAT LAKES 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 Cash Out Refinance Loan
Does not apply to refinancing of existing Credit Union 1 loans, or for the purchase of a vehicle. Vehicle must be 10 years old or newer with a maximum of 125,000 miles at origination, in applicant's name, with original title provided. Maximum LTV is 80%. Minimum loan amount is $5,000. Minimum term 36 months, maximum term 60 months. $124 processing fee applies.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 3.99%–14.74% | Floor rate of 3.74% (3.99% APR); rates range up to 14.74% APR depending on model year and credit score. Maximum 80% LTV. Vehicle must be 10 years old or newer with max 125,000 miles. |
Sources (1)
- creditunion1.org/borrow/auto-loans · captured Oct 5, 2026
Auto Loans
Rates include a 0.25% Relationship Discount for qualified borrowers when automatic payments are established from a CU1 checking or savings account and enrolled in eStatements. Minimum loan amount is $5,000 ($15,000 for 73-84 months). Floor rate is 3.74% (3.99% APR). $124 processing fee applies. Special offer of no auto loan payments for 90 days for new or used vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Model year: New Auto 2025 & Newer. Rates include 0.25% Relationship Discount. |
| up to 48 months | 4.18% | Model year: New Auto 2025 & Newer. Rates include 0.25% Relationship Discount. |
| up to 60 months | 4.39% | Model year: New Auto 2025 & Newer. Rates include 0.25% Relationship Discount. |
| up to 72 months | 4.87% | Model year: New Auto 2025 & Newer. Rates include 0.25% Relationship Discount. |
| up to 84 months | 5.35% | Model year: New Auto 2025 & Newer. Requires minimum loan amount of $15,000 for 73-84 months. Rates include 0.25% Relationship Discount. |
| up to 36 months | 4.99% | Model year: 2023 - 2024. Rates include 0.25% Relationship Discount. |
| up to 48 months | 5.18% | Model year: 2023 - 2024. Rates include 0.25% Relationship Discount. |
| up to 60 months | 5.40% | Model year: 2023 - 2024. Rates include 0.25% Relationship Discount. |
| up to 72 months | 5.87% | Model year: 2023 - 2024. Rates include 0.25% Relationship Discount. |
| up to 84 months | 6.36% | Model year: 2023 - 2024. Requires minimum loan amount of $15,000 for 73-84 months. Rates include 0.25% Relationship Discount. |
| up to 36 months | 5.99% | Model year: 2020 - 2022. Rates include 0.25% Relationship Discount. |
| up to 48 months | 6.18% | Model year: 2020 - 2022. Rates include 0.25% Relationship Discount. |
| up to 60 months | 6.40% | Model year: 2020 - 2022. Rates include 0.25% Relationship Discount. |
| up to 72 months | 6.62% | Model year: 2020 - 2022. Rates include 0.25% Relationship Discount. |
| up to 84 months | 6.86% | Model year: 2020 - 2022. Requires minimum loan amount of $15,000 for 73-84 months. Rates include 0.25% Relationship Discount. |
| up to 36 months | 6.24% | Model year: 2015 - 2019. Rates include 0.25% Relationship Discount. |
| up to 48 months | 6.43% | Model year: 2015 - 2019. Rates include 0.25% Relationship Discount. |
| up to 60 months | 6.65% | Model year: 2015 - 2019. Rates include 0.25% Relationship Discount. |
| up to 72 months | 6.87% | Model year: 2015 - 2019. Rates include 0.25% Relationship Discount. |
| up to 36 months | 7.24% | Model year: 2014 & Older. Rates include 0.25% Relationship Discount. |
| up to 48 months | 7.69% | Model year: 2014 & Older. Rates include 0.25% Relationship Discount. |
| up to 60 months | 8.15% | Model year: 2014 & Older. Rates include 0.25% Relationship Discount. |
Who can join GREAT LAKES
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.