Credit union · NCUA insured
Southeast Michigan State EFCU Auto Loan Rates
Southeast Michigan State EFCU auto loans start at 4.99% APR for a new vehicle and 6.75% for a used one. Rates checked October 7, 2026.
How Southeast Michigan State EFCU’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Southeast Michigan State EFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southeast Michigan State EFCU
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Special Auto Loan
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
Southeast Michigan State EFCU auto loan score
77
Auto loan score
Higher than 43% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southeast Michigan State EFCU 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.
Classic, Historic Loan (26 Years and Older)
For vehicles 26 years and older. Rate and terms are subject to credit approval, vehicle eligibility, loan term, and other restrictions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | APR as low as; up to 36 months |
| up to 48 months | 6.74% | APR as low as; up to 48 months |
| up to 60 months | 6.99% | APR as low as; up to 60 months |
Sources (1)
- smsefcu.com/rates/current-rates · captured Oct 7, 2026
New and Used Auto Loans (2023 and Newer)
Rates by model year 2023 and newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Model year 2023 and newer; APR as low as |
| up to 48 months | 6.25% | Model year 2023 and newer; APR as low as |
| up to 60 months | 6.50% | Model year 2023 and newer; APR as low as |
| up to 72 months | 7.00% | Model year 2023 and newer; APR as low as |
Sources (1)
- smsefcu.com/rates/current-rates · captured Sep 18, 2026
Special Auto Loan
Terms and conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Starting at 4.99% APR for up to 60 months. |
Sources (1)
- smsefcu.com · captured Sep 18, 2026
Used Auto Loans (2022 - 2015)
Rates by model year 2022 - 2015.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.25% | Model year 2022 - 2015; APR as low as |
| up to 48 months | 6.50% | Model year 2022 - 2015; APR as low as |
| up to 60 months | 6.75% | Model year 2022 - 2015; APR as low as |
| up to 72 months | 7.25% | Model year 2022 - 2015; APR as low as |
Sources (1)
- smsefcu.com/rates/current-rates · captured Sep 18, 2026
Who can join Southeast Michigan State EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Individuals employed by local governments in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, or Wayne County are eligible to join.
- Retirees of the State of Michigan and eligible local governments are welcome to join.
- Employees of the State of Michigan are eligible to join.
Family and household
- Immediate family members of eligible State of Michigan employees, local government employees, and retirees are eligible to join.
Cost to join
- An initial deposit of at least $5 into a share (savings) account is required to secure membership.
Membership information collected October 5, 2026.