Credit union · NCUA insured
University of Michigan Credit Union Auto Loan Rates
University of Michigan Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How University of Michigan Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ann Arbor, MI, where University of Michigan Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University of Michigan Credit Union
5.24%APR
- Terms
- 61–72 months
- Up to
- 15.09% APR
- Discount
- None included
New & Used Auto Loans
Lowest rate
People Driven Credit Union
4.74%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American 1 Credit Union
4.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
University of Michigan Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University of Michigan 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 & Used Auto Loans
Loans for any age, make, or model automobile. Same rates for new and used vehicles. $0 down options. No application fee. Maximum secured loan amount is $350,000 per member. Subject to credit and collateral approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24%–14.09% | Up to 36 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same. |
| 37–48 months | 5.24%–14.09% | 37 - 48 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same. |
| 49–60 months | 5.24%–14.09% | 49 - 60 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same. |
| 61–72 months | 5.24%–15.09% | 61 - 72 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same. |
| 73–84 months | 6.24%–16.34% | 73 - 84 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same. |
Sources (4)
- umcu.org
- umcu.org/learn/resources/rates-fees
- umcu.org/loans-cards/vehicle-loans
- umcu.org/loans-cards/vehicle-loans/new-used-auto-loans
All captured Oct 5, 2026
Who can join University of Michigan Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.