Credit union · NCUA insured
Peninsula Federal Credit Union Auto Loan Rates
Top CarrotPeninsula Federal Credit Union auto loans start at 4.85% APR for a new vehicle and 5.10% for a used one. Rates checked October 16, 2026.
How Peninsula Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Escanaba, MI, where Peninsula Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Peninsula Federal Credit Union
4.85%APR
- Terms
- up to 60 months
- Up to
- 17.95% APR
New Vehicles-Motorcycles
Lowest rate
U.P. State Credit Union
3.50%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Embers Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- —
Peninsula Federal Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.85%
- Used vehicleUsed5.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peninsula 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.
New Vehicles-Motorcycles
Interest rates are subject to change. Rates are based on creditworthiness and are subject to underwriting standards. No down payment required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.55%–17.95% | — |
| up to 36 months | 4.65%–17.95% | — |
| up to 48 months | 4.75%–17.95% | — |
| up to 60 months | 4.85%–17.95% | — |
| up to 72 months | 4.95%–17.95% | — |
| up to 84 months | 5.05%–17.95% | Our 84 month vehicle loan product is for loans greater than or equal to $40,000.00 and for vehicles classified as a brand new vehicle. |
Used Vehicles-Motorcycles
Interest rates are subject to change. Rates are based on creditworthiness and are subject to underwriting standards. Up to 72 months on select used cars.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.80%–17.95% | — |
| up to 36 months | 4.90%–17.95% | — |
| up to 48 months | 5.00%–17.95% | — |
| up to 60 months | 5.10%–17.95% | — |
| up to 72 months | 5.20%–17.95% | — |
Who can join Peninsula 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This may be incomplete or out of date, so check with the credit union before you apply.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, or businesses and other legal entities located in Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, or Schoolcraft Counties, Michigan; Ashland, Florence, Forest, Iron, Marinette, Oconto, or Vilas Counties, Wisconsin are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
Other ways
- Members of record of this credit union as of July 5, 2000, date of conversion to a community field of membership, are eligible.
- Organizations of such eligible persons are eligible for membership.
- Members of record of the River Bay Credit Union as of the effective date of merger are eligible.
3 more ways to join
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of record of the Torch Lake Federal Credit Union as of the effective date of merger are eligible.
- Volunteers in the community are eligible for membership.
Cost to join
- Basic membership requirement is to start an account with $5.00, which must remain in the account for as long as you are a member.
Membership information collected October 5, 2026.