Credit union · NCUA insured
Journey Federal Credit Union Auto Loan Rates
Top CarrotJourney Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Journey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lansing, MI, where Journey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Journey Federal Credit Union
4.49%APR
- Terms
- —
Vehicle Loans
Lowest rate
CASE Credit Union
4.14%APR
- Terms
- up to 84 months
3rd-lowest rate
LAFCU
4.99%APR
- Terms
- —
Journey Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Journey Federal 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.
Vehicle Loans
Competitive rates. No application fees. No processing fees. Rates subject to risk adjustment. Credit restrictions apply. Other rates & terms available. Loan protection options available.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Model Year 2022-2027. Estimated monthly payment $29.75 per $1,000. Rate subject to risk adjustment; credit restrictions apply; other rates & terms available. |
| — | 4.99% | Model Year 2015-2021. Estimated monthly payment $29.97 per $1,000. Rate subject to risk adjustment; credit restrictions apply; other rates & terms available. |
Sources (3)
All captured Oct 16, 2026
Who can join Journey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clare, Clinton, Gratiot, Isabella, Mecosta, Montcalm, Osceola, or Shiawassee County, Michigan is eligible to join.
Employers and groups
- Community volunteers, businesses, and other legal entities operating in Clare, Clinton, Gratiot, Isabella, Mecosta, Montcalm, Osceola, or Shiawassee County, Michigan may join.
Family and household
- Immediate family and household members of eligible persons in the designated counties are eligible to join.
Membership information collected October 5, 2026.