Credit union · NCUA insured
One Detroit Credit Union Auto Loan Rates
One Detroit Credit Union auto loans start at 4.24% APR for a new vehicle. Rates checked October 16, 2026.
How One Detroit Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where One Detroit Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
One Detroit Credit Union
4.24%APR
- Terms
- up to 72 months
- Discount
- None included
New Vehicle 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
One Detroit Credit Union auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where One Detroit 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.
New Vehicle Loan
Rates are based on credit score, history, and loan type. Maximum secured loan amount is $60,000 with LTV up to 125%. Vehicles must be 7 years or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.24% | APR as low as 4.24%. Term up to 72 months; maximum secured loan amount $60,000; LTV up to 125%; vehicles 7 years or newer. |
Refi My Ride
Refinance program for auto loans currently financed through other lenders (loans currently with One Detroit Credit Union are not eligible). Floor rate is 4.75%. Maximum secured loan amount is $60,000, term up to 72 months, LTV not to exceed 125%. Vehicles must be 10 years or newer. $75 processing fee applies. Membership required (open to anyone who lives, works, worships, or volunteers in Wayne County).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.75% | Cuts existing auto loan interest rate in half, subject to a floor rate of 4.75%. A $75 processing fee applies (effective December 21, 2020). Term up to 72 months; max loan $60,000; max LTV 125%; vehicles 10 years or newer. |
Who can join One Detroit 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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or volunteer in Wayne, Oakland, Macomb, or Washtenaw counties in Michigan.
Cost to join
- Membership requires opening a regular share savings account with a deposit of $10 or more, completing a membership form with signatures of all joint parties, and providing a valid driver's license or state ID card.
Membership information collected October 5, 2026.