Credit union · NCUA insured
Jolt Credit Union Auto Loan Rates
Jolt Credit Union auto loans start at 4.79% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How Jolt Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Jolt Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Jolt Credit Union
4.79%APR
- Terms
- 49–60 months
- Discount
- None included
New Auto Loans
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
Jolt Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Jolt 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.
First-Time Auto Buyer Program
Available to qualifying members based on approved credit and other requirements such as proof of employment (must be employed for at least 6 months). 2014 or newer vehicle. No previous auto or mortgage loan history. $500 minimum down payment. Rates listed represent best rates and include a $35.00 processing fee. Not eligible for Kasasa Take-Back features.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.80% | 2015 \u2013 2026 vehicles. Interest rate as low as 6.74%. Rate includes $35.00 processing fee. $500 minimum down payment required. |
| 61–72 months | 7.54% | 2015 \u2013 2026 vehicles. Interest rate as low as 7.49%. Rate includes $35.00 processing fee. $500 minimum down payment required. |
Sources (2)
All captured Oct 5, 2026
New Auto Loans
Rates listed represent best rates and do not include a $35.00 processing fee. Rate and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security, or retirement with AutoPay set up from a Jolt checking or savings account. 90 Days No Payment option requires credit approval (interest accrues from funding date); Take-Back Loans excluded from 90 Days No Payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.82% | 2024 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 37–48 months | 4.81% | 2024 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 49–60 months | 4.79% | 2024 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 61–72 months | 5.54% | 2024 & Newer vehicles. Interest rate as low as 5.49%. Eligible for Take-Back. Excludes $35 processing fee. |
| 73–84 months | 5.78% | 2024 & Newer vehicles. Minimum $10,000 Loan. Interest rate as low as 5.74%. Eligible for Take-Back. Excludes $35 processing fee. |
Sources (1)
- joltcu.com/current-rates · captured Oct 5, 2026
Used Auto Loans
Rates listed represent best rates and do not include a $35.00 processing fee. Rate and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security, or retirement with AutoPay set up from a Jolt checking or savings account. 90 Days No Payment option requires credit approval (interest accrues from funding date); Take-Back Loans excluded from 90 Days No Payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.82% | 2015 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 37–48 months | 4.81% | 2015 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 49–60 months | 4.79% | 2015 & Newer vehicles. Interest rate as low as 4.74%. Eligible for Take-Back. Excludes $35 processing fee. |
| 61–66 months | 5.54% | 2015 & Newer vehicles. Interest rate as low as 5.49%. Eligible for Take-Back. Excludes $35 processing fee. |
| 61–72 months | 5.54% | 2015 & Newer vehicles. Interest rate as low as 5.49%. Eligible for Take-Back. Excludes $35 processing fee. |
| 73–84 months | 5.78% | 2021 & Newer vehicles. Interest rate as low as 5.74%. Eligible for Take-Back. Excludes $35 processing fee. |
Sources (1)
- joltcu.com/current-rates · captured Oct 5, 2026
Who can join Jolt 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, worship, work, or attend schools in Bay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, and Missaukee counties are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, or adoption) and individuals living in the same household as a current member are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted into membership prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the Credit Union is eligible for membership.
Membership information collected October 5, 2026.