Credit union · NCUA insured
United Financial Credit Union Auto Loan Rates
Top CarrotUnited Financial Credit Union auto loans start at 4.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 16, 2026.
How United Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where United Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Financial Credit Union
4.90%APR
- Terms
- up to 84 months
- Discount
- None included
New & Used Auto 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 Financial Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Financial 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.
First Time Auto Loans
Must be at least 18 years old, you must be a first-time buyer with no previous auto credit or derogatory credit reported (collections, liens, etc.). The maximum loan amount is $15,000. Maximum term of 60 months. Vehicles must be model year 2014 or newer with fewer than 100,000 miles. Applicants must be employed for a minimum of 90 days at current job and have verifiable income. Monthly payment not to exceed 15% of gross income. Minimum $500 down payment. Cumulative G.P.A of 3.5 or higher to qualify for the 1% discount. Rate discounts cannot be combined. For qualified buyers only, not all applicants will qualify. Qualified applicants are eligible for standard annual percentage rates. Membership required. Standard underwriting guidelines apply. Rate cannot go below current A credit, 5 year rate. Some restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99% | First-Time Auto Buyers receive a flat rate of 8.99% APR*. No co-signer required for qualified applicants. Additional 1% discount for students with cumulative GPA 3.50 or higher with report card (rate cannot go below current A credit, 5 year rate; discounts cannot be combined). Minimum $500 down payment; maximum loan amount $15,000; maximum term 60 months; model year 2014 or newer with fewer than 100,000 miles. |
Sources (1)
- unitedfinancialcu.org/first-time-auto · captured Oct 16, 2026
New & Used Auto Loans
Financing up to 100% purchase price of vehicle. Term up to 7 years (84 months). Hometown Heroes (Veteran, Active Military, or First Responder) receive a 0.25% Rate Discount on new consumer loans financed in house with identification.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.90% | As low as 4.90% APR. Maximum amount 100% purchase price of vehicle; maximum term up to 7 years. |
| up to 84 months | 7.15% | As low as 7.15% APR. Maximum amount 100% purchase price; maximum term up to 7 years. 7.15% rate is lowest available rate – not to be combined with any other discounts or offers. Term limits apply. |
Sources (1)
- unitedfinancialcu.org/borrow/auto-loans · captured Oct 16, 2026
New & Used Motorcycle Loans
Maximum amount 100% purchase price; maximum term up to 7 years. 7.15% rate is lowest available rate – not to be combined with any other discounts or offers. Term limits apply. Hometown Heroes (Veteran, Active Military, or First Responder) receive a 0.25% Rate Discount on new consumer loans financed in house with identification.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.15% | As low as 7.15% APR. Example payment on $10,000 at 7.15% for 5 years – $198.69 per month. 7.15% rate is lowest available rate – not to be combined with any other discounts or offers. ° = Term limits apply. Call Credit Union for details. Maximum amount 100% purchase price; maximum term up to 7 years. |
Sources (1)
- unitedfinancialcu.org/borrow/auto-loans · captured Oct 16, 2026
Who can join United Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in the lower peninsula of Michigan are eligible to join.
Family and household
- Immediate family members or household members of current United Financial members (including qualifying out-of-state relatives) are eligible to join.
Membership information collected October 5, 2026.