Credit union · NCUA insured
Michigan United Credit Union Auto Loan Rates
Top CarrotMichigan United Credit Union auto loans start at 4.74% APR for a new vehicle and 6.99% for a used one. Rates checked October 16, 2026.
How Michigan United Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Michigan United Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
2016-2026 Model Years Automobile & Truck Loan
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 United Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Michigan United 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.
2016-2026 Model Years Automobile & Truck Loan
Rates as low as are based on applicant's credit score and model year of vehicle. Other account requirements and conditions may apply. All loans are subject to approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.05% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 48 months | 4.74% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 60 months | 4.74% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 72 months | 4.99% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 84 months | 5.24% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 96 months | 5.99% | Rates as low as are based on applicant's credit score and model year of vehicle. |
Sources (1)
- michiganunitedcu.org/loan-rates · captured Oct 5, 2026
Used Vehicles 2015 & Older
Rates as low as are based on applicant's credit score and model year of vehicle. Other account requirements and conditions may apply. All loans are subject to approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 48 months | 6.74% | Rates as low as are based on applicant's credit score and model year of vehicle. |
| up to 60 months | 6.99% | Rates as low as are based on applicant's credit score and model year of vehicle. |
Sources (1)
- michiganunitedcu.org/loan-rates · captured Oct 5, 2026
Who can join Michigan United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or attend school in the state of Michigan are eligible for membership.
Cost to join
- A minimum cash deposit and balance of $5 in a share savings account is required to join and maintain member benefits.
Membership information collected October 5, 2026.