Credit union · NCUA insured
U.P. State Credit Union Auto Loan Rates
Top CarrotU.P. State Credit Union auto loans start at 3.50% APR for a new vehicle and 4.00% for a used one. Rates checked October 16, 2026.
How U.P. State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where U.P. State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
U.P. State Credit Union
3.50%APR
- Terms
- —
Auto Loans
2nd-lowest rate
Soo Co-Op CU
4.55%APR
- Terms
- up to 60 months
3rd-lowest rate
4Front Credit Union
5.75%APR
- Terms
- 12–66 months
U.P. State Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed4.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where U.P. State 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.
Auto Loans
There are no application fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.50% | Subject to credit approval; rates and terms may vary depending on individual credit history, underwriting factors, and market conditions. |
| — | 4.00% | Subject to credit approval; rates and terms may vary depending on individual credit history, underwriting factors, and market conditions. |
Who can join U.P. State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the Upper Peninsula is eligible to join.
Family and household
- Any immediate family members of current UPSCU members are eligible to join.
Cost to join
- A $5 deposit into a share (savings) account is required to establish membership.
Membership information collected October 5, 2026.