Credit union · NCUA insured
Michigan Columbus Federal Credit Union Auto Loan Rates
Top CarrotMichigan Columbus 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 Michigan Columbus Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan Columbus Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Michigan Columbus Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Michigan Columbus Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% 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 Michigan Columbus 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.
Auto Loans
Rates disclosed as Annual Percentage Rates (APR) and are subject to change. Your rate will be based on your credit history, term of the loan and the collateral or security offered. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Model Years 2025-2026. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| up to 60 months | 4.49% | Model Years 2021-2024. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| 61–84 months | 4.74% | Model Years 2021-2024. Preference: $25,000+. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| up to 60 months | 4.99% | Model Years 2020 and older. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
Sources (3)
All captured Oct 5, 2026
Classic Auto
Rates disclosed as Annual Percentage Rates (APR) and are subject to change. Your rate will be based on your credit history, term of the loan and the collateral or security offered. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Model Years 2001 and older. Up to 95% LTV. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| 61–84 months | 7.74% | Model Years 2001 and older. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
Sources (1)
- mcfcu.net/rates/loan-rates · captured Oct 5, 2026
First-time Auto Loan - Borrowers With No Credit
Borrowers With No Credit. Prefer up to 98% LTV, max loan of $20,000, and no more than 100,000 miles on the vehicle at the time of the loan. Rates disclosed as Annual Percentage Rates (APR) and are subject to change. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 11.50% | Model Years 2019-2026. Prefer up to 98% LTV, max loan of $20,000, and no more than 100,000 miles on the vehicle at the time of the loan. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| up to 48 months | 12.50% | Model Years 2018 and Older. Prefer up to 98% LTV, max loan of $20,000, and no more than 100,000 miles on the vehicle at the time of the loan. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
Sources (1)
- mcfcu.net/rates/loan-rates · captured Oct 5, 2026
Motorcycles
Rates disclosed as Annual Percentage Rates (APR) and are subject to change. Your rate will be based on your credit history, term of the loan and the collateral or security offered. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.99% | Model Years 2025-2026. Up to 90% LTV for D&E. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
| up to 72 months | 7.24% | Model Years 2024 and older. Up to 90% LTV for D&E. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan. |
Sources (1)
- mcfcu.net/rates/loan-rates · captured Oct 5, 2026
Who can join Michigan Columbus 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, volunteers, or attends school in Livonia, MI is eligible for membership.
Family and household
- Family of individuals eligible through the Livonia community or family of an existing member qualifies for membership.
Membership information collected October 5, 2026.