Credit union · NCUA insured
Safe Harbor Credit Union Auto Loan Rates
Safe Harbor Credit Union auto loans start at 5.75% APR for a new vehicle. Rates checked October 16, 2026.
How Safe Harbor Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ludington, MI, where Safe Harbor Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Safe Harbor Credit Union
5.75%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
3rd-lowest rate
Filer Credit Union
7.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Safe Harbor Credit Union auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Safe Harbor 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
Competitive rates for new or used vehicles; refinance options available; terms customized to fit your budget. Decision-making and local processing.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.75% | APR as low as stated. Annual Percentage Rates may be higher or lower depending on credit history. Loans are subject to underwriting. |
Sources (3)
- safeharborcu.org/loans-credit/personal-loans
- safeharborcu.org/loans-credit/…al-loans/auto-loans.html
- safeharborcu.org/rates/rates.html
All captured Oct 16, 2026
Who can join Safe Harbor Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Current residents of the State of Michigan are eligible for membership.
Employers and groups
- Employees of Safe Harbor Credit Union are eligible for membership.
- Individuals belonging to an organization whose membership is made up of individuals eligible for membership are eligible to join.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
Cost to join
- An initial $5 deposit into a Regular Share Account is required for full member/owner status.
Membership information collected October 5, 2026.