Credit union · NCUA insured
Montcalm Public Employees Credit Union Auto Loan Rates
Montcalm Public Employees Credit Union auto loans start at 6.00% APR for a new vehicle and 7.00% for a used one. Rates checked October 16, 2026.
How Montcalm Public Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Montcalm Public Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Montcalm Public Employees Credit Union
6.00%APR
- Terms
- 49–60 months
New Vehicles (2024 & newer)
Lowest rate
Meijer Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
- Terms
- —
Montcalm Public Employees Credit Union auto loan score
63
Auto loan score
Higher than 9% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Montcalm Public Employees 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.
Motorcycles (Street, 2020 and older)
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.25% | — |
| up to 60 months | 9.25% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Motorcycles (Street, 2021 and newer)
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.74% | — |
| up to 72 months | 8.74% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
New Vehicles (2024 & newer)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | — |
| 37–48 months | 5.50% | — |
| 49–60 months | 6.00% | — |
| 61–72 months | 6.25% | — |
| 73–84 months | 6.50% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2012 and older)
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.75% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2013 – 2015)
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.75% | — |
| 37–48 months | 8.25% | — |
| 49–60 months | 9.75% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2016 – 2020)
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.75% | — |
| 49–60 months | 7.75% | — |
| 61–72 months | 8.75% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Used Vehicles (2021 – 2023)
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.50% | — |
| 49–60 months | 7.00% | — |
| 61–72 months | 7.50% | — |
| 73–84 months | 8.00% | — |
Sources (1)
- mpecreditunion.com/rates/loan-rates · captured Oct 7, 2026
Who can join Montcalm Public Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to employees of educational facilities located in the Montcalm Area Intermediate School District, including the Boards of Education.
- Membership is open to employees and elected and appointed officials of all villages, municipalities, and townships, as well as county employees of Montcalm County.
- Membership is open to federal employees residing or employed in Montcalm County.
Family and household
- Membership is open to members of the immediate families of eligible members.
- A spouse of a deceased member may be elected to membership at any time prior to remarriage.
2 more ways to join
Other ways
- Membership is open to persons on pension arising from qualifying employment.
- Membership is open to organizations composed mostly of persons eligible for membership.
Membership information collected October 5, 2026.