Credit union · NCUA insured
Straits Area Federal Credit Union Auto Loan Rates
Straits Area Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Straits Area Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Michigan, where Straits Area Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Straits Area Federal Credit Union
4.25%APR
- Terms
- up to 108 months
- Up to
- —
New Auto
Lowest rate
Settlers Federal Credit Union
3.00%APR
- Terms
- —
- Up to
- 18.00% APR
2nd-lowest rate
U.P. State Credit Union
3.50%APR
- Terms
- —
- Up to
- —
Straits Area Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Straits Area 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.
New Auto
Rates may vary based on term selected, credit standing, credit worthiness, account relationships, loan types, and loan value ratios. All rates subject to change by the Board of Directors.
| Terms | APR | Conditions |
|---|---|---|
| up to 108 months | 4.25% | Rate is as low as 4.25% APR for terms as long as 108 Months. Rate may vary based on term selected and credit standing. Adjustments made for credit worthiness, account relationships, loan types, and loan value ratios. |
Sources (1)
- mi-safcu.org/rates · captured Oct 5, 2026
Used Auto
Rates may vary based on term selected, credit standing, credit worthiness, account relationships, loan types, and loan value ratios. All rates subject to change by the Board of Directors.
| Terms | APR | Conditions |
|---|---|---|
| up to 108 months | 4.75% | Rate is as low as 4.75% APR for terms as long as 108 Months. Rate may vary based on term selected and credit standing. Adjustments made for credit worthiness, account relationships, loan types, and loan value ratios. |
Sources (1)
- mi-safcu.org/rates · captured Oct 5, 2026
Who can join Straits Area Federal Credit Union
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