Credit union · NCUA insured
Public Service Credit Union Auto Loan Rates
Top CarrotPublic Service Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How Public Service Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Public Service Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Public Service Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loans
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
Public Service Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Public Service 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
Membership open to anyone who lives, works, worships, or attends school in Michigan. Low, competitive interest rates; terms up to 84 months; up to 100% financing; no application fees. Finance new or used cars, trucks, and vans. Convenient payment options: online, by phone, or automatic payments.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rates as low as 4.74% APR. Terms up to 84 months. Finance new or used cars, trucks, and vans. Up to 100% financing. No application fees. |
Who can join Public Service 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in Michigan.
Cost to join
- New members can open an account with $25.
Membership information collected October 5, 2026.