Credit union · NCUA insured
HPC Credit Union Auto Loan Rates
Top CarrotHPC Credit Union auto loans start at 4.95% APR for a new vehicle. Rates checked October 16, 2026.
How HPC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alpena, MI, where HPC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HPC Credit Union
4.95%APR
- Terms
- up to 60 months
New Vehicle Loan
Lowest rate
Alpena Alcona Area Credit Union
4.25%APR
- Terms
- up to 78 months
2nd-lowest rate
Wolverine State Credit Union
4.85%APR
- Terms
- up to 60 months
HPC Credit Union auto loan score
78
Auto loan score
Higher than 46% of U.S. banks and credit unions
- New vehicleNew4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HPC 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.
New Vehicle Loan
Rates as low as stated. Actual APR will be based upon individual credit worthiness, loan amount, term of loan and applicable prepaid items.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.95% | Flexible Terms! Actual APR will be based upon individual credit worthiness, loan amount, term of loan and applicable prepaid items. |
Sources (1)
- hpccu.com/rates · captured Oct 5, 2026
Used Vehicle Loan
Rates as low as stated. Actual APR will be based upon individual credit worthiness, loan amount, term of loan and applicable prepaid items.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | Actual APR will be based upon individual credit worthiness, loan amount, term of loan and applicable prepaid items. |
Sources (1)
- hpccu.com/rates · captured Oct 5, 2026
Who can join HPC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, own real estate or attend school in the Michigan counties of Luce, Chippewa, Mackinac, Emmet, Cheboygan, Charlevoix, Presque Isle, Antrim, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, and Iosco can join H.P.C. Credit Union.
Family and household
- Immediate families of persons eligible by geographic connection to the specified Michigan counties or members can join H.P.C. Credit Union.
Membership information collected October 5, 2026.