Credit union · NCUA insured
Settlers Federal Credit Union Auto Loan Rates
Top CarrotSettlers Federal Credit Union auto loans start at 3.00% APR for a new vehicle and 3.00% for a used one. Rates checked October 16, 2026.
How Settlers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Michigan, where Settlers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Settlers Federal Credit Union
3.00%APR
- Up to
- 18.00% APR
Secured Loans (Auto, recreational vehicle, etc)
2nd-lowest rate
U.P. State Credit Union
3.50%APR
- Up to
- —
3rd-lowest rate
Chief Financial Credit Union
3.99%APR
- Up to
- —
Settlers Federal Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.00%
- Used vehicleUsed3.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Settlers 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.
Secured Loans (Auto, recreational vehicle, etc)
Loan Rates Vary Depending on Credit Score and collateral: 3.00%-18.00%. Discounts: 0.25% discount with payment protection (debt protection life and/or disability insurance); 0.25% discount with direct deposit (of payments or earnings).
| Terms | APR | Conditions |
|---|---|---|
| — | 3.00%–18.00% | Loan rates vary depending on credit score and collateral. Up to 0.50% in discounts available (.25% for payment protection, .25% for direct deposit). |
Sources (2)
- settlersfcu.com/products-and-services/credit-and-loans
- settlersfcu.com/products-and-s…d-loans/credit-and-loans
All captured Oct 7, 2026
Who can join Settlers 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This may be incomplete or out of date, so check with the credit union before you apply.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
- People who live, work, worship, or attend school in Ontonagon or Gogebic Counties, as well as businesses and other legal entities located there, are eligible for membership.
Membership information collected October 5, 2026.