Credit union · NCUA insured
KCCU Auto Loan Rates
Top CarrotKCCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How KCCU’s auto loan rates compare
Compared with banks and credit unions near Battle Creek, MI, where KCCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KCCU
4.99%APR
- Terms
- up to 90 months
Auto Loan
Lowest rate
Grand Trunk Credit Union
4.75%APR
- Terms
- —
2nd-lowest rate
American 1 Credit Union
4.99%APR
- Terms
- —
KCCU auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KCCU 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
Finance a new or used vehicle at KCCU or refinance an existing vehicle loan from another financial institution. 90 Day No Pay available for loans greater than $10,000 closed at KCCU (must be current on all loans and credit score >= 640; finance charges accrue; does not apply to refinancing existing KCCU loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 90 months | 4.99% | Rate as low as 4.99%* (up to 42 months). Terms available up to 90 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 2 model years and newer. |
Sources (3)
All captured Oct 16, 2026
Newer Used Auto/Motorcycle (3-5 model years)
| Terms | APR | Conditions |
|---|---|---|
| up to 90 months | 4.99% | Rate as low as 4.99%* (up to 42 months). Terms available up to 90 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 3-5 model years. |
Sources (1)
- kccu4u.org/personal/borrow/loan-rates · captured Oct 16, 2026
Used Auto/Motorcycle (6-7 model years)
| Terms | APR | Conditions |
|---|---|---|
| up to 78 months | 5.24% | Rate as low as 5.24%* (up to 42 months). Terms available up to 78 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 6-7 model years. |
Sources (1)
- kccu4u.org/personal/borrow/loan-rates · captured Oct 16, 2026
Used Auto/Motorcycle (8-10 model years)
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.24% | Rate as low as 6.24%* (up to 42 months). Terms available up to 66 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 8-10 model years. |
Sources (1)
- kccu4u.org/personal/borrow/loan-rates · captured Oct 16, 2026
Who can join KCCU
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, or attend school in Michigan, as well as businesses and other legal entities located in Michigan, are eligible to join.
Family and household
- Relatives of KCCU members are eligible for credit union membership.
Cost to join
- KCCU membership requires a minimum savings account deposit of $5.00.
Membership information collected October 5, 2026.