Credit union · NCUA insured
HarborLight Credit Union Auto Loan Rates
HarborLight 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 HarborLight Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muskegon, MI, where HarborLight Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HarborLight Credit Union
4.99%APR
- Terms
- 49–60 months
Auto/Motorcycle Loans
Lowest rate
Port City Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
Family Financial Credit Union
4.99%APR
- Terms
- up to 60 months
HarborLight Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 HarborLight 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/Motorcycle Loans
Requires proof of value & full-coverage insurance. Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount. HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty. Classic Auto/Motorcycle minimum collateral value of $15,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Auto & Motorcycle (2027 - 2022). Up to 48 months. |
| 49–60 months | 4.99% | Auto & Motorcycle (2027 - 2022). 49-60 Months. |
| 61–72 months | 5.49% | Auto & Motorcycle (2027 - 2022). 61 - 72 Months. |
| 73–84 months | 6.99% | Auto & Motorcycle (2027 - 2022). 73 - 84 Months. >72 months only for $25,000+loan amount. |
| 85+ months | 7.74% | Auto & Motorcycle (2027 - 2022). 85+ Months. Note: general disclosure states auto/motorcycle max term is 84 months. |
| up to 48 months | 4.64% | Auto & Motorcycle (2021 - 2017). Up to 48 Months. |
| 49–60 months | 5.49% | Auto & Motorcycle (2021 - 2017). 49 - 60 Months. |
| 61–72 months | 5.94% | Auto & Motorcycle (2021 - 2017). 61 - 72 Months. |
| 73–84 months | 7.74% | Auto & Motorcycle (2021 - 2017). 73 - 84 Months. >72 months only for $25,000 + loan amount. |
| 85+ months | 8.49% | Auto & Motorcycle (2021 - 2017). 85+ Months. Note: general disclosure states auto/motorcycle max term is 84 months. |
| up to 48 months | 9.14% | Auto & Motorcycle (2016 - 2007). Up to 48 Months. |
| 49–60 months | 9.49% | Auto & Motorcycle (2016 - 2007). 49 - 60 Months. |
| up to 48 months | 4.89% | Classic Auto/Motorcycle. Up to 48 Months. Minimum collateral value of $15,000. |
| 49–60 months | 5.39% | Classic Auto/Motorcycle. 49 - 60 Months. Minimum collateral value of $15,000. |
| 61–72 months | 7.39% | Classic Auto/Motorcycle. 61 - 72 Months. Minimum collateral value of $15,000. |
| 73–84 months | 9.14% | Classic Auto/Motorcycle. 73 - 84 Months. Minimum collateral value of $15,000. >72 months only for $25,000 + loan amount. |
| 85+ months | 9.89% | Classic Auto/Motorcycle. 85+ Months. Minimum collateral value of $15,000. Note: general disclosure states auto/motorcycle max term is 84 months. |
Sources (2)
- harborlightcu.org/loans-credit…to-motorcycle-loans.html
- harborlightcu.org/loans-credit/personal-loans/rates.html
All captured Oct 16, 2026
Who can join HarborLight Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the state of Michigan are eligible for membership.
Employers and groups
- Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership are eligible for membership.
Family and household
- Persons within the immediate family of a member (defined as relatives by blood or marriage, or any individual living under the same roof and in the same household as the member) are eligible for membership.
Other ways
- Any person who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office or a branch is located, is eligible for membership.
Cost to join
- Membership requires opening a Basic Savings account with a deposit of $5 or more.
Membership information collected October 5, 2026.