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Credit union · NCUA insured

St. Francis X Federal Credit Union Auto Loan Rates

St. Francis X Federal Credit Union auto loans start at 5.00% APR for a new vehicle. Rates checked October 23, 2026.

How St. Francis X Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Petoskey, MI, where St. Francis X Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    St. Francis X Federal Credit Union

    5.00%APR

    Terms
    up to 60 months

    Auto & Truck Loans

  • Lowest rate

    Awakon Federal Credit Union

    4.50%APR

    Terms
    12–60 months

    Awakon Federal Credit Union rates

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    Northland Area FCU

    4.99%APR

    Terms
    up to 72 months

    Northland Area FCU rates

Compare auto loan rates near you →

St. Francis X Federal Credit Union auto loan score

73

Auto loan score

Higher than 34% of U.S. banks and credit unions

By vehicle
  • New vehicleNew5.00%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where St. Francis X 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.

Who can join St. Francis X 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Anyone who lives, works, worships, regularly conducts business, or attends school in Emmet, Charlevoix, or Cheboygan counties is eligible to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← St. Francis X Federal Credit Union overview