Credit union · NCUA insured
OMNI Community Credit Union Auto Loan Rates
OMNI Community Credit Union auto loans start at 6.74% APR for a new vehicle and 6.74% for a used one. Rates checked October 16, 2026.
How OMNI Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sturgis, MI, where OMNI Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OMNI Community Credit Union
6.74%APR
- Terms
- —
Auto Loan
Lowest rate
KCCU
4.99%APR
- Terms
- up to 90 months
2nd-lowest rate
Arbor Financial Credit Union
5.49%APR
- Terms
- 49–60 months
OMNI Community Credit Union auto loan score
62
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.74%
- Used vehicleUsed6.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OMNI Community 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.
Auto Loan
No application fee and up to 100% financing/refinancing options. Balance is part of Cashback Rebate Program.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 2020 and Newer (Various terms). 4.99% available up to 36 months, other rates available up to 84 months. |
| — | 6.74% | 2017 to 2019 (Auto only). |
Sources (3)
- omnicommunitycu.org/pdf/rateSheet_7_01_2026.pdf
- omnicommunitycu.org/personalBanking.php
- omnicommunitycu.org/rates
All captured Oct 5, 2026
Auto Secured Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 6.74% | Auto Secured - 2016 and Older. APR subject to change. |
Sources (2)
All captured Oct 5, 2026
Motorcycle Loan
Various loan terms and down payment options available. GAP, Mechanical Repair Coverage, and Credit Life & Disability coverage available. No application fee and up to 100% financing/refinancing options. Balance is part of Cashback Rebate Program.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 2020 and Newer (Various terms). 4.99% available up to 36 months, other rates available up to 84 months. |
Sources (3)
- omnicommunitycu.org/pdf/rateSheet_7_01_2026.pdf
- omnicommunitycu.org/personalBanking.php
- omnicommunitycu.org/rates
All captured Oct 5, 2026
Who can join OMNI Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Elkhart, LaGrange, or St. Joseph counties in Indiana.
- Membership is open to individuals who live, work, worship or attend school in the state of Michigan.
Family and household
- Membership is open to relatives of an existing member.
Cost to join
- An initial deposit of $5 is required to establish membership and open an account.
Membership information collected October 5, 2026.