Credit union · NCUA insured
Northern Lights Community Federal Credit Union Auto Loan Rates
Northern Lights Community Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Northern Lights Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Michigan, where Northern Lights Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Lights Community Federal Credit Union
5.99%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicles 2026- 2027
Lowest rate
3.00%APR
- Terms
- —
- Up to
- 18.00% APR
2nd-lowest rate
U.P. State Credit Union
3.50%APR
- Terms
- —
- Up to
- —
Northern Lights Community Federal Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- 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 Northern Lights Community 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.
2021 and Older
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.50% | — |
Sources (1)
- nlightsfcu.com/rates/loan-rates · captured Oct 5, 2026
New Vehicles 2026- 2027
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.99% | — |
| up to 72 months | 6.49% | Over $20,000 |
| up to 84 months | 6.99% | Over $20,000 |
Sources (1)
- nlightsfcu.com/rates/loan-rates · captured Oct 5, 2026
Used Vehicles 2022-2025
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.99% | — |
| up to 72 months | 6.49% | Over $20,000 |
| up to 84 months | 6.99% | Over $20,000 |
Sources (1)
- nlightsfcu.com/rates/loan-rates · captured Oct 5, 2026
Who can join Northern Lights Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Alger, Delta, or Marquette Counties are eligible for membership.
Employers and groups
- Employees of Northern Lights Community FCU are eligible for membership.
Other ways
- Organizations of persons eligible under the geographic field of membership are eligible to join.
Membership information collected October 5, 2026.