Credit union · NCUA insured
Polish-American FCU Auto Loan Rates
Top CarrotPolish-American FCU auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Polish-American FCU’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Polish-American FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Polish-American FCU
4.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle Rates (2026 - 2023)
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
Polish-American FCU auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Polish-American 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.
New Vehicle Rates (2026 - 2023)
For model years 2026 - 2023. Members with a PAFCU checking account (and active debit card), direct deposit, and automatic payment receive a .25% loan discount (already included in stated rates). For salvage/rebuilt title, call (248) 619-0440 for a rate quote. No application fees, no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | — |
| up to 48 months | 4.30% | — |
| up to 60 months | 4.50% | — |
| up to 72 months | 4.80% | — |
Used Vehicle Rates (2017 - 2013)*
For model years 2017 - 2013. Members with a PAFCU checking account (and active debit card), direct deposit, and automatic payment receive a .25% loan discount (already included in stated rates). For vehicles with a salvage/rebuilt title, please call the credit union at (248) 619-0440 for a rate quote.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.00% | — |
| up to 36 months | 7.50% | — |
| up to 48 months | 8.00% | — |
Sources (1)
- mypafcu.com/loan-rates · captured Oct 5, 2026
Used Vehicle Rates (2022 - 2018)
For model years 2022 - 2018. Members with a PAFCU checking account (and active debit card), direct deposit, and automatic payment receive a .25% loan discount (already included in stated rates). For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | — |
| up to 36 months | 5.00% | — |
| up to 48 months | 5.20% | — |
| up to 60 months | 5.50% | — |
Sources (1)
- mypafcu.com/loan-rates · captured Oct 5, 2026
Who can join Polish-American FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Foundation and Center of the 2nd Polish Corps at Orchard Lake Schools in Orchard Lake, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
- Employees of All Star Amusement who work in Detroit, Michigan are eligible.
- Members of the American Polish Cultural Center in Troy, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
- Members of the American Polish Engineering Association in Madison Heights, Michigan qualifying under bylaws as of May 26, 1993 are eligible.
- Members of American-Polish Century Club in Sterling Heights, MI qualifying under charter and bylaws as of 9/15/2009 are eligible.
- Employees of the credit union and persons retired as pensioners or annuitants from qualifying employment are eligible.
18 more ways to join
Employers and groups
- Members of Our Lady of Czestochowa Church in Sterling Heights, MI qualifying under charter and bylaws as of 7/27/2009 are eligible.
- Registered members and employees of St. Ladislaus Parish, St. Florian Parish, and Our Lady Queen of Apostles Parish in Hamtramck, Michigan are eligible.
- Natural person, dues-paying members of the Polish American Congress, Michigan Division, who qualify under bylaws as of February 3, 1976, and live in Michigan are eligible.
- Members of Polish Century Club of Detroit, Inc. in Troy, MI qualifying under charter and bylaws in effect on February 18, 1917 are eligible.
- Members of The Polish Mission are eligible.
- Members of the Polish Scouting Organization in Sterling Heights, Michigan qualifying under bylaws as of February 24, 1993 are eligible.
- Members of the Pope John Paul II Society, P.R.C.U.A. No. 1593, in Warren, Michigan qualifying under bylaws as of May 12, 1994 are eligible.
- Members of the National Polish-American Sports Hall of Fame in Troy, MI qualifying under charter and bylaws in effect on June 14, 1973 are eligible.
- Registered members of St. Linus Parish and St. Sabina Parish located in Dearborn Heights, Michigan are eligible.
- Members of White Eagle Sports Club in Troy, MI qualifying under charter and bylaws as of Nov. 19, 2009 are eligible.
Military, government and schools
- Employees of the City of Hamtramck who work in Hamtramck, Michigan are eligible.
- Employees of Hamtramck Public Schools who work in Hamtramck, Michigan are eligible.
Family and household
- Spouses of deceased members within the field of membership, members of immediate family or household, and organizations of qualifying persons are eligible.
Other ways
- Contributors to the Friends of the National Polish American Sports Hall of Fame are eligible.
- Individuals of Polish heritage or descent may qualify for membership at PAFCU.
- Members of the St. Andrew Parish Community Credit Union as of June 30, 1983 are eligible.
- Members of record of the St. Ladislaus Credit Union as of the effective date of merger are eligible.
- Members of record of the St. Linus Credit Union as of the effective date of merger are eligible.
Cost to join
- A $5 deposit in a savings account is required for membership.
Membership information collected October 5, 2026.