Credit union · NCUA insured
Soo Co-Op CU Auto Loan Rates
Top CarrotSoo Co-Op CU auto loans start at 4.55% APR for a new vehicle and 5.05% for a used one. Rates checked October 16, 2026.
How Soo Co-Op CU’s auto loan rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where Soo Co-Op CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Soo Co-Op CU
4.55%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
U.P. State Credit Union
3.50%APR
- Terms
- —
3rd-lowest rate
4Front Credit Union
5.75%APR
- Terms
- 12–66 months
Soo Co-Op CU auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.55%
- Used vehicleUsed5.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Soo Co-Op CU 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
Rates are listed at the lowest rate offered and determined by creditworthiness, qualifications, collateral conditions, and year of vehicle. Approximate monthly payment would be $19.69 per $1,000 borrowed at 6.75% for 60 months. Rates are subject to change at any time. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.28% | New vehicle. APR as low as. Rate as low as 5.25%. |
| up to 75 months | 4.79% | New vehicle. APR as low as. Rate as low as 4.75%. |
| up to 60 months | 4.55% | New vehicle. APR as low as. Rate as low as 4.50%. |
| up to 72 months | 5.29% | Used vehicle. APR as low as. Rate as low as 5.25%. |
| up to 60 months | 5.05% | Used vehicle. APR as low as. Rate as low as 5.00%. |
Sources (1)
- soocoop.com/loans-and-mortgages/first-time-auto-loan · captured Oct 5, 2026
Who can join Soo Co-Op CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to persons whose residence, employment, place of religious worship, real estate ownership, or school attendance is in the State of Michigan.
Family and household
- Open to any immediate relatives of current Soo Co-op Credit Union members.
Cost to join
- Establishing membership requires maintaining a minimum balance of at least $5.00 in a basic savings account.
Membership information collected October 5, 2026.