Credit union · NCUA insured
West Michigan Credit Union Auto Loan Rates
West Michigan Credit Union auto loans start at 5.94% APR for a new vehicle and 7.59% for a used one. Rates checked October 16, 2026.
How West Michigan Credit Union’s auto loan rates compare
Compared with banks and credit unions near Grand Rapids, MI, where West Michigan Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Michigan Credit Union
5.94%APR
- Terms
- up to 72 months
2024 and Newer Autos
Lowest rate
Meijer Credit Union
4.24%APR
- Terms
- —
2nd-lowest rate
GR Consumers Credit Union
4.25%APR
- Terms
- —
West Michigan Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.94%
- Used vehicleUsed7.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West 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.
2024 and Newer Autos
Rates based on term and creditworthiness. Must qualify for membership. No application or loan processing fee. Pre-approvals available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Rates as low as 5.24% APR on 2024 and newer automobiles with a term up to 36 months. Rate based on term and creditworthiness. Must qualify for membership. |
| up to 48 months | 5.74% | Rate based on term and creditworthiness. Must qualify for membership. |
| up to 60 months | 5.94% | Rate based on term and creditworthiness. Must qualify for membership. |
| up to 72 months | 5.94% | Rate based on term and creditworthiness. Must qualify for membership. |
| up to 84 months | 6.24% | 84 Month term is only available for 2024 and Newer Automobiles. Rate based on term and creditworthiness. Must qualify for membership. |
Sources (4)
- westmichigancu.com/consumer-loans
- westmichigancu.com/auto-loans
- westmichigancu.com/loan-rates
- westmichigancu.com/rates
All captured Oct 5, 2026
Used Autos
Rate based on term, model year, and creditworthiness. Must qualify for membership. No application or loan processing fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.59% | Applies to model years 2021 - 2023. Rate based on term and creditworthiness. Must qualify for membership. |
| up to 72 months | 7.69% | Applies to model years 2019 - 2020. Rate based on term and creditworthiness. Must qualify for membership. |
| up to 60 months | 7.79% | Applies to model years 2017 - 2018. Rate based on term and creditworthiness. Must qualify for membership. |
| up to 48 months | 8.49% | Applies to model years 2016 & Older. Rate based on term and creditworthiness. Must qualify for membership. |
Sources (4)
- westmichigancu.com/consumer-loans
- westmichigancu.com/auto-loans
- westmichigancu.com/loan-rates
- westmichigancu.com/rates
All captured Oct 16, 2026
Who can join West Michigan Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or have their place of religious worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees and pensioners of Miller Industries, Inc., Reed City, Michigan are eligible for membership.
- Team Members of West Michigan Credit Union, A Division of WMCU are eligible for membership.
Military, government and schools
- Employees or pensioners of the State of Michigan who work or live in Leelanau County, Michigan are eligible for membership.
Family and household
- Members and immediate families of the foregoing eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if elected to membership prior to remarriage.
Membership information collected October 5, 2026.