Credit union · NCUA insured
United Bay Community Credit Union Auto Loan Rates
United Bay Community Credit Union auto loans start at 5.19% APR for a new vehicle and 5.19% for a used one. Rates checked October 16, 2026.
How United Bay Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bay City, MI, where United Bay Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Bay Community Credit Union
5.19%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans
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
United Bay Community Credit Union auto loan score
80
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Bay 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.
Vehicle Loans
Financing for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans. Credit score, term of loan, vehicle value and loan amount determine rate qualification. All loans subject to approval. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.19% | — |
| up to 72 months | 5.44% | Requires loan amount of $10,000.00 or greater. |
| up to 84 months | 5.69% | Requires loan amount of $20,000.00 or greater. |
| up to 96 months | 6.19% | Requires loan amount of $30,000.00 or greater. |
| up to 108 months | 6.69% | Requires loan amount of $30,000.00 or greater. |
| up to 120 months | 7.19% | Requires loan amount of $30,000.00 or greater. |
Sources (3)
All captured Oct 16, 2026
Who can join United Bay 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This may be incomplete or out of date, so check with the credit union before you apply.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 available to anyone who lives, works, worships, or attends school in Michigan.
Cost to join
- A minimum deposit of $5 is required to establish a membership share.
Membership information collected October 5, 2026.