Credit union · NCUA insured
Health Advantage Credit Union Auto Loan Rates
Top CarrotHealth Advantage Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Health Advantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Health Advantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Health Advantage Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
Truck 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
Health Advantage Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Health Advantage 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 Loan
Loans subject to credit approval. Prepayment penalty: none. Also applies to purchasing new or used or refinancing. Rate and terms vary based on creditworthiness, underwriting standards, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Model year 2026 or older. APR as low as 4.74% based on creditworthiness, underwriting standards, and collateral conditions. Estimated monthly payment per $1,000 borrowed is $18.76 for 60 months. |
| up to 72 months | 5.24% | Model year 2026 or older. APR as low as 5.24% based on creditworthiness, underwriting standards, and collateral conditions. |
| up to 84 months | 5.74% | Model year 2024 or newer. Minimum $25,000 loan amount required. APR as low as 5.74% based on creditworthiness, underwriting standards, and collateral conditions. |
Motorcycle Loan
Loans subject to credit approval. Prepayment penalty: none. Buy new or used or refinance. Rate and terms vary based on member's creditworthiness, underwriting standards, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Model year 2026 or older. APR as low as 4.74% based on creditworthiness, underwriting standards, and collateral conditions. Estimated monthly payment per $1,000 borrowed is $18.76 for 60 months. |
| up to 72 months | 5.24% | Model year 2026 or older. APR as low as 5.24% based on creditworthiness, underwriting standards, and collateral conditions. |
| up to 84 months | 5.74% | Model year 2024 or newer. Minimum $25,000 loan amount required. APR as low as 5.74% based on creditworthiness, underwriting standards, and collateral conditions. |
Truck Loan
Loans subject to credit approval. Prepayment penalty: none. Buy new or used or refinance. Rate and terms vary based on member's creditworthiness, underwriting standards, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74% | Model year 2026 or older. APR as low as 4.74% based on creditworthiness, underwriting standards, and collateral conditions. Estimated monthly payment per $1,000 borrowed is $18.76 for 60 months. |
| up to 72 months | 5.24% | Model year 2026 or older. APR as low as 5.24% based on creditworthiness, underwriting standards, and collateral conditions. |
| up to 84 months | 5.74% | Model year 2024 or newer. Minimum $25,000 loan amount required. APR as low as 5.74% based on creditworthiness, underwriting standards, and collateral conditions. |
Who can join Health Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible to join.
- Employees, independent contractors, or self-employed individuals who regularly work in the Healthcare Industry in the State of Michigan are eligible for membership.
- Retirees from the healthcare industry are eligible to join.
Family and household
- Members of immediate families or households of eligible persons may join.
Other ways
- Organizations of such eligible persons may join the credit union.
- Spouses of persons who have died while within the Healthcare Industry are eligible to join.
Cost to join
- A minimum deposit balance of $5.00 is required to open a share savings account; there is no membership fee.
Membership information collected October 5, 2026.