Credit union · NCUA insured
Kalsee Credit Union Auto Loan Rates
Kalsee Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Kalsee Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Kalsee Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kalsee Credit Union
5.49%APR
- Terms
- 49–66 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
KCCU
4.99%APR
- Terms
- up to 90 months
- Discount
- None included
2nd-lowest rate
United Bay Community Credit Union
5.19%APR
- Terms
- up to 60 months
- Discount
- None included
Kalsee Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kalsee 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 Loans
Legal age to apply is 18. Rate determined by credit experience. Terms up to 96 months. No prepayment penalty. No application fee. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | As low as rate reflects equity discount. Rate determined by credit experience. |
| up to 48 months | 4.99% | With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience. |
| 49–66 months | 5.99% | As low as rate reflects equity discount. Rate determined by credit experience. Estimated monthly payment for 66 months at 5.99% APR is $17.83 per $1,000 borrowed. |
| 49–66 months | 5.49% | With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience. |
| 67–78 months | 6.63% | As low as rate reflects equity discount. Rate determined by credit experience. |
| 67–78 months | 6.13% | With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience. |
| 79–90 months | 7.13% | As low as rate reflects equity discount. Rate determined by credit experience. |
| 79–90 months | 6.63% | With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience. |
| 91–96 months | 7.88% | As low as rate reflects equity discount. Rate determined by credit experience. |
| 91–96 months | 7.38% | With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience. |
Sources (1)
- kalsee.com/personal/borrow/auto-loans · captured Oct 5, 2026
Who can join Kalsee Credit Union
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