Credit union · NCUA insured
Northland Area FCU Auto Loan Rates
Northland Area FCU auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Northland Area FCU’s auto loan rates compare
Compared with banks and credit unions near Traverse City, MI, where Northland Area FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northland Area FCU
4.99%APR
- Terms
- up to 72 months
New Auto Loan
Lowest rate
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
3rd-lowest rate
TBA Credit Union
5.00%APR
- Terms
- up to 60 months
Northland Area FCU auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northland Area FCU 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.
Flex-Ride Loan
Finance new or used vehicles up to 5 calendar years old. Combines leasing benefits with traditional financing; actual ownership with walk-away or balloon option at maturity. Mileage plans available (7,500, 10,000, 12,000, 15,000, or 18,000 miles/year). No pre-payment penalties or early termination fees.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 4.49% | Applies to Flex-Ride 2025-2026 vehicles. Base APR varies based on credit worthiness, relationship level, age of vehicle and loan terms. Example: $20,825 loan including $825 program fee for 36 months at 4.49% APR. |
Sources (3)
All captured Oct 16, 2026
New Auto Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Rate applies to New 2025-2026 Vehicles. Fixed rate. Individual rates vary and are dependent on individual credit history and other factors including LTV and term. |
Sources (3)
All captured Oct 16, 2026
Used Auto Loan
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Rate applies to Used 2025 & Older Vehicles. Fixed rate. Individual rates vary and are dependent on individual credit history and other factors including LTV and term. |
Who can join Northland Area FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in, and businesses and other legal entities located in 27 specified Northern Michigan counties, are eligible for membership.
Employers and groups
- Employees of Northland Area Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons/employees are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Membership information collected October 5, 2026.