Credit union · NCUA insured
OUR Credit Union Auto Loan Rates
OUR Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 17, 2026.
How OUR Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where OUR Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OUR Credit Union
5.24%APR
- Terms
- 66–75 months
- Discount
- None included
Auto Loans - Auto and Light Trucks 2019 & Newer
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
OUR Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OUR 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 Loans - Auto and Light Trucks 2018 & Older
Advertised rates are as low as and based on credit history. Refinancing is not available on existing OUR Credit Union loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 65 months | 8.24% | Rate is as low as. |
Sources (1)
- ourcuonline.org/loan-rates · captured Oct 5, 2026
Auto Loans - Auto and Light Trucks 2019 & Newer
Advertised rates are as low as and based on credit history. Good for 2019 and newer models. Refinancing is not available on existing OUR Credit Union loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 65 months | 5.24% | Rate is as low as. 90 Days, No Payments for a limited time for qualified borrowers (new money only; interest continues to accrue). |
| 66–75 months | 5.24% | Rate is as low as. 90 Days, No Payments for a limited time for qualified borrowers (new money only; interest continues to accrue). |
| 76–84 months | 6.50% | Rate is as low as. |
Who can join OUR Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Employers and groups
- Legal entities comprised mostly of the membership group are eligible.
Family and household
- Immediate family members of eligible individuals are eligible to join.
- Spouses of deceased members are eligible if accepted into membership prior to remarriage.
Other ways
- Persons receiving retirement payments who live in or belong to a retirement organization in the principal place of business county or contiguous county are eligible.
Cost to join
- Members are required to maintain a $5 share deposit in a Savings Account.
Membership information collected October 5, 2026.