Credit union · NCUA insured
Tandem Federal Credit Union Auto Loan Rates
Tandem Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Tandem Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Tandem Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tandem Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
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
Tandem Federal Credit Union auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tandem 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 Loans
Rates are based on credit score and past credit history. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00% | For 2024 and newer vehicles. Rates are lowest possible rates based on credit score. |
| up to 60 months | 4.50% | For 2024 and newer vehicles. Rates are lowest possible rates based on credit score. |
Sources (1)
- tandemfcu.com/page/5/products-and-rates · captured Oct 5, 2026
Used Auto Loans
Rates are based on credit score and past credit history. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | For used vehicles 2018-2023. Rates are lowest possible rates based on credit score. |
| up to 60 months | 5.50% | For used vehicles 2018-2023. Rates are lowest possible rates based on credit score. |
| up to 72 months | 5.75% | For used vehicles 2018-2023. Minimum loan amount $15,000. Rates are lowest possible rates based on credit score. |
| up to 84 months | 6.00% | For used vehicles 2018-2023. Minimum loan amount $25,000. Rates are lowest possible rates based on credit score. |
| — | 8.00% | For used vehicles 2017 and older. Rates are lowest possible rates based on credit score. |
Sources (1)
- tandemfcu.com/page/5/products-and-rates · captured Oct 5, 2026
Who can join Tandem Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.