Credit union · NCUA insured
United Churches Credit Union Auto Loan Rates
United Churches Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How United Churches Credit Union’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where United Churches Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Churches Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New Auto Loan
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
United Churches Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Churches 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.
Antique, Classic and Exotic Vehicles
Terms up to 120 months. 10% down payment required. Value of vehicle must be at least $50,000.00. Rates based on creditworthiness, term of loan and age of vehicle. All loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 7.99% | With auto pay from your UCCU saving or checking account. 10% down payment required. Value of vehicle must be at least $50,000.00. |
| 36–60 months | 7.99% | With auto pay from your UCCU saving or checking account. 10% down payment. |
| 72–120 months | 9.50% | With auto pay from your UCCU saving or checking account. 10% down payment. |
Sources (2)
All captured Oct 5, 2026
New Auto Loan
Up to 100% financing of price or blue book retail value, with terms up to 84 months. Pre-approval available. Rates based on creditworthiness, term of loan and age of vehicle. All loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.99% | — |
| up to 36 months | 4.99% | — |
| up to 48 months | 4.99% | Model Year New 2025-2026. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 60–72 months | 4.99% | Model Year New 2025-2026. 0 down payment. With auto pay from your UCCU saving or checking account. |
| up to 84 months | 4.99% | Model Year New 2024-2025. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 12–36 months | 4.99% | Model Year New 2024-2025. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 48–60 months | 5.49% | Model Year New 2024-2025. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 72–84 months | 5.99% | Model Year New 2024-2025. 0 down payment. With auto pay from your UCCU saving or checking account. |
Sources (3)
- unitedchurchescu.org
- unitedchurchescu.org/page/18/vehicle-loansrates
- unitedchurchescu.org/page/8/rates
All captured Oct 5, 2026
New or Used Motorcycles
Down payment required (15% to 20%). Terms up to 72 months. Rates based on creditworthiness, term of loan and age of vehicle. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.99% | With auto pay from your UCCU saving or checking account. 20% down payment required. Rates based on creditworthiness, term of loan and age of vehicle. |
| up to 60 months | 6.99% | With auto pay from your UCCU saving or checking account. 15% down payment. Rates based on creditworthiness, term of loan and age of vehicle. |
Sources (2)
All captured Oct 5, 2026
Used Auto Loan
Up to 100% financing of price or blue book retail value, with terms up to 84 months. Pre-approval available. Rates based on creditworthiness, term of loan and age of vehicle. All loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| up to 48 months | 5.49% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 60–72 months | 5.49% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| up to 84 months | 5.49% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 12–72 months | 5.49% | Model Year 2016- 2021. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 12–36 months | 5.49% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 48–60 months | 5.99% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 72–84 months | 6.49% | Model Year 2022-2024. 0 down payment. With auto pay from your UCCU saving or checking account. |
| 12–72 months | 6.50% | Model Year 2015- 2021. 0 down payment. With auto pay from your UCCU saving or checking account. |
Sources (2)
All captured Oct 5, 2026
Who can join United Churches Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.