Credit union · NCUA insured
Service 1 Federal Credit Union Auto Loan Rates
Service 1 Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Service 1 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Muskegon, MI, where Service 1 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service 1 Federal Credit Union
4.99%APR
- Terms
- —
Auto Loan
Lowest rate
Port City Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
Family Financial Credit Union
4.99%APR
- Terms
- up to 60 months
Service 1 Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 1 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.
Auto Loan
Subject to approval; membership eligibility applies. No application fee. Competitive rates on new or used vehicles. Pre-approval and refinancing available.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates starting at 4.99% APR. Rates and terms subject to change at any time without notice. Rate based on credit score and history. |
Sources (1)
- service1fcu.com/borrow/auto-loans.html · captured Oct 7, 2026
Who can join Service 1 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, attend school, or worship in Stone, Barry, Newton, or McDonald County, Missouri.
Employers and groups
- Membership is open to members of affiliated select groups such as churches, alumni groups, labor unions, and homeowner associations.
- Membership is open to current or former employees of Service 1 FCU select employer groups.
Family and household
- Membership is open to immediate family members of an existing Service 1 FCU member or persons living in the same household.
Cost to join
- A $5 share deposit is required to establish membership and become a member-owner.
Membership information collected October 5, 2026.