Credit union · NCUA insured
TBA Credit Union Auto Loan Rates
TBA Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How TBA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Traverse City, MI, where TBA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TBA Credit Union
5.00%APR
- Terms
- up to 60 months
New & Used Auto Loans
Lowest rate
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Northland Area FCU
4.99%APR
- Terms
- up to 72 months
TBA Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TBA 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.
Classic Auto Loans
Applies to vehicles 25+ years old or those deemed Classic or Exotic by the Hagerty Valuation Guide. Vehicles must be in running/driving condition; no rolling chassis or project cars without Credit Committee approval. Condition must fit Hagerty Ratings of #1 – Concours, #2 – Excellent, or #3 – Good, with current photos provided. Rates are 'as low as' based on credit performance and term. Extended terms available upon inquiry. Repayment on lines is $2.00 per $100 financed.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.50% | Standard rate. |
| up to 48 months | 6.25% | With Direct Deposit. |
| up to 60 months | 7.00% | Standard rate. |
| up to 60 months | 6.75% | With Direct Deposit. |
| up to 72 months | 7.50% | Standard rate. |
| up to 72 months | 7.25% | With Direct Deposit. |
New & Used Auto Loans
Rates are 'as low as' based on credit performance and term. Direct deposit discount provides lower APR. Extended terms available upon inquiry. First-Time Auto Buyer Program available ($500 down, up to 100% clean retail value).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | Model year 2021 and Newer. Standard rate. |
| up to 48 months | 4.75% | Model year 2021 and Newer. With Direct Deposit. |
| up to 60 months | 5.25% | Model year 2021 and Newer. Standard rate. |
| up to 60 months | 5.00% | Model year 2021 and Newer. With Direct Deposit. |
| up to 72 months | 5.50% | Model year 2021 and Newer. Standard rate. |
| up to 72 months | 5.25% | Model year 2021 and Newer. With Direct Deposit. |
| up to 48 months | 5.75% | Model year 2017 - 2020. Standard rate. |
| up to 48 months | 5.50% | Model year 2017 - 2020. With Direct Deposit. |
| up to 60 months | 6.00% | Model year 2017 - 2020. Standard rate. |
| up to 60 months | 5.75% | Model year 2017 - 2020. With Direct Deposit. |
| up to 72 months | 6.50% | Model year 2017 - 2020. Standard rate. |
| up to 72 months | 6.25% | Model year 2017 - 2020. With Direct Deposit. |
| up to 36 months | 6.75% | Model year 2013 - 2016. Standard rate. |
| up to 36 months | 6.50% | Model year 2013 - 2016. With Direct Deposit. |
| up to 48 months | 7.00% | Model year 2013 - 2016. Standard rate. |
| up to 48 months | 6.75% | Model year 2013 - 2016. With Direct Deposit. |
| up to 60 months | 7.25% | Model year 2013 - 2016. Standard rate. |
| up to 60 months | 7.00% | Model year 2013 - 2016. With Direct Deposit. |
| up to 72 months | 7.50% | Model year 2013 - 2016. Standard rate. |
| up to 72 months | 7.25% | Model year 2013 - 2016. With Direct Deposit. |
| up to 36 months | 8.00% | Model year 2012 & Older. Standard rate. |
| up to 36 months | 7.75% | Model year 2012 & Older. With Direct Deposit. |
| up to 48 months | 8.50% | Model year 2012 & Older. Standard rate. 48 Mo. max term without approval. |
| up to 48 months | 8.25% | Model year 2012 & Older. With Direct Deposit. 48 Mo. max term without approval. |
Who can join TBA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, attend school, or worship in Michigan.
Employers and groups
- You can join if you are a TBACU employee.
Military, government and schools
- You can join if you are an alumnus of Northwestern Michigan College.
Family and household
- You can join if you are an immediate family member of an eligible individual.
- You can join if you are the spouse of a deceased member (before remarriage).
Other ways
- You can join if you are an individual receiving retirement income who lives in or belongs to a retirement group in the region.
Membership information collected October 5, 2026.