Credit union · NCUA insured
Total Community Credit Union Auto Loan Rates
Total Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Total Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where Total Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Total Community Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
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
Total Community Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Total Community 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 Loans
Membership eligibility required. Available to highly qualified borrowers; subject to credit approval, credit score, term, collateral value, LTV, and underwriting criteria. Promotional rates apply to qualified new money auto loans only; refinancing of existing TCCU loans may not qualify. Terms available up to 84 months. No application fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Reflects a 0.25% APR discount for enrollment in automatic payments from an active TCCU checking account at funding and throughout the life of the loan. |
| up to 60 months | 4.74% | Rate without automatic payment enrollment. |
Sources (1)
- tccu.us/vehicle%20loans · captured Oct 7, 2026
Who can join Total Community Credit Union
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