Credit union · NCUA insured
Team One Credit Union Auto Loan Rates
Team One Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Team One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Team One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Team One Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
Lowest rate
GREAT LAKES
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Lake Huron Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
Team One Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Team One 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.
Auto Loan
Must become a member before closing on the loan. Membership is open to individuals who live, work, worship, or attend school in eligible Michigan communities.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | — |
| 61–72 months | 5.50% | Current plus 6 model years old |
| up to 84 months | 6.24% | $25,000 min; current plus 2 model year old |
| up to 120 months | 6.49% | $100,000 min, Electric and Hybrid only |
Sport Vehicle Loan
Eligible sport vehicles include motorcycles, ATVs & UTVs, jet skis & personal watercraft, snowmobiles, golf carts & more. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.75% | — |
| 37–48 months | 9.00% | — |
| 49–60 months | 9.25% | — |
| 61–84 months | 9.50% | — |
Who can join Team One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who reside in Lee County or Collier County, Florida.
- Eligibility is open to individuals who live, work, worship, or attend school in the state of Michigan.
Family and household
- Eligibility is open to individuals with an immediate family member who has an existing Team One membership, regardless of residence.
Cost to join
- Opening a membership requires a valid ID and a $5 deposit to open a savings account with a $5 minimum balance.
Membership information collected October 5, 2026.