Credit union · NCUA insured
Michigan First Credit Union Auto Loan Rates
Michigan First Credit Union auto loans start at 5.49% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Michigan First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Michigan First Credit Union
5.49%APR
- Terms
- up to 66 months
- Discount
- None included
New 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 First Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Michigan First 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.
Motorcycle Loan
Maximum term 84 months. Maximum loan amount $50,000. Loan value is NADA trade or MSRP, not to exceed 120% book value.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.99% | Up to 48 Months |
| up to 60 months | 8.24% | Up to 60 Months |
| up to 72 months | 8.49% | Up to 72 Months |
| up to 84 months | 8.99% | Up to 84 Months |
Sources (1)
- michiganfirst.com/About/Member…oan-Line-of-Credit-Rates · captured Oct 5, 2026
New Auto Loans
Loan value is NADA retail including vehicle price plus sales tax not to exceed 115% of book value. Maximum loan amount is $150,000. Maximum term is 84 months. 2025 vehicles never titled are considered new. 2026 auto refinances priced as new vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | New: 2026 vehicles; Up to 48 Months |
| up to 66 months | 5.49% | New: 2026 vehicles; Up to 66 Months |
| up to 72 months | 5.99% | New: 2026 vehicles; Up to 72 Months |
| up to 84 months | 6.49% | New: 2026 vehicles; Up to 84 Months |
Sources (1)
- michiganfirst.com/About/Member…oan-Line-of-Credit-Rates · captured Oct 5, 2026
Signature Auto Program
Purchase a new or used vehicle through participating Signature Auto Dealers to receive 1% off APR. Must qualify for loan, purchase through the program, close on loan, and take delivery of vehicle. Credit Score is based on Vantage.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | 1% discount off APR on purchases from participating dealers; minimum APR is 5.99% |
Sources (1)
- michiganfirst.com/Signature-Auto-Program · captured Oct 5, 2026
Used Auto Loans
Used: 2019-2025. Loan value is NADA retail including vehicle price plus sales tax not to exceed 115% of book value. Maximum loan amount is $150,000. Max term on 2019-2022 is 72 months; max term on 2018 or older is 60 months (pending mileage review; exceptions must be approved). 2018 and older vehicles add 3% rate bump (excludes E-tier).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Used: 2019-2025 vehicles; Up to 48 Months |
| up to 66 months | 5.99% | Used: 2019-2025 vehicles; Up to 66 Months |
| up to 72 months | 6.49% | Used: 2019-2025 vehicles; Up to 72 Months |
| up to 84 months | 6.99% | Used: 2019-2025 vehicles; Up to 84 Months (2019-2022 max term is 72 months without exception) |
Sources (1)
- michiganfirst.com/About/Member…oan-Line-of-Credit-Rates · captured Oct 5, 2026
Who can join Michigan First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.