Credit union · NCUA insured
TRUE Community Credit Union Auto Loan Rates
TRUE Community Credit Union auto loans start at 6.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How TRUE Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, MI, where TRUE Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TRUE Community Credit Union
6.99%APR
- Terms
- 85–96 months
- Discount
- Included in the rate
New Auto (minimum loan $50,000)
Lowest rate
American 1 Credit Union
4.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
South Central Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
TRUE Community Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TRUE 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.
New Auto (minimum loan $50,000)
Minimum loan $50,000. As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
| Terms | APR | Conditions |
|---|---|---|
| 85–96 months | 6.99% | Minimum loan $50,000. As low as rate includes 0.25% autopay discount. |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Oct 5, 2026
New and Used Auto (5 years and newer)
As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | As low as rate includes 0.25% autopay discount. |
| 37–48 months | 4.99% | As low as rate includes 0.25% autopay discount. |
| 49–60 months | 5.24% | As low as rate includes 0.25% autopay discount. |
| 61–72 months | 5.49% | As low as rate includes 0.25% autopay discount. |
| 73–84 months | 6.24% | As low as rate includes 0.25% autopay discount. |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Oct 5, 2026
New/Used Motorcycle
As low as rate includes .25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing. All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.74% | As low as rate includes 0.25% autopay discount. |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Oct 5, 2026
Used Auto - 2021 & Older
As low as rate includes 0.25% discount for borrowers establishing and maintaining auto payment on their loan at the time of loan closing. Add 0.25% for vehicles 5 years and older. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual rates may be higher and are determined by a member’s individual credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | As low as rate includes 0.25% autopay discount. Add 0.25% for vehicles 5 years and older. |
| 61–72 months | 6.49% | As low as rate includes 0.25% autopay discount. Add 0.25% for vehicles 5 years and older. |
| 73–84 months | 6.99% | As low as rate includes 0.25% autopay discount. Add 0.25% for vehicles 5 years and older. |
Sources (1)
- trueccu.com/borrow/consumer-loans/auto.html · captured Oct 5, 2026
Who can join TRUE Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, learns (attends school), works, or worships across the State of Michigan.
Membership information collected October 5, 2026.