Credit union · NCUA insured
West Michigan Postal Service FCU Auto Loan Rates
West Michigan Postal Service FCU auto loans start at 5.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 16, 2026.
How West Michigan Postal Service FCU’s auto loan rates compare
Compared with banks and credit unions near Muskegon, MI, where West Michigan Postal Service FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Michigan Postal Service FCU
5.14%APR
- Terms
- up to 61 months
Automobile Loan
Lowest rate
Port City Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
Family Financial Credit Union
4.99%APR
- Terms
- up to 60 months
West Michigan Postal Service FCU auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.14%
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 Postal Service FCU 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.
Automobile Loan
Financing up to 100% NADA retail value. Rates are \"as low as\" for credit scores of 751 and higher (A+). Rates are subject to change without notice. Longer term limits may be available; call (231)722-3921 for more information.
| Terms | APR | Conditions |
|---|---|---|
| up to 25 months | 4.44% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 37 months | 4.64% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 42 months | 4.94% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 61 months | 5.14% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 72 months | 5.44% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 84 months | 5.74% | For model years 2023 and newer. Credit score requirement: 751+ (A+). |
| up to 25 months | 4.94% | For model years 2022–2018. Credit score requirement: 751+ (A+). |
| up to 37 months | 5.14% | For model years 2022–2018. Credit score requirement: 751+ (A+). |
| up to 42 months | 5.34% | For model years 2022–2018. Credit score requirement: 751+ (A+). |
| up to 61 months | 5.54% | For model years 2022–2018. Credit score requirement: 751+ (A+). |
| up to 72 months | 5.74% | For model years 2022–2018. Credit score requirement: 751+ (A+). |
| up to 25 months | 5.44% | For model years 2017 and older. Credit score requirement: 751+ (A+). |
| up to 37 months | 5.94% | For model years 2017 and older. Credit score requirement: 751+ (A+). |
| up to 42 months | 6.44% | For model years 2017 and older. Credit score requirement: 751+ (A+). |
| up to 61 months | 6.94% | For model years 2017 and older. Credit score requirement: 751+ (A+). |
Sources (1)
- wmpsfcu.com/loan-rates · captured Oct 7, 2026
Who can join West Michigan Postal Service FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union are eligible for membership.
Military, government and schools
- Employees of the US Postal Service who work in Muskegon, Muskegon Heights, North Muskegon, Montague, Whitehall, Fruitport, Twin Lake, Holton, Ravenna, Ada, Grand Rapids, Spring Lake, Ferrysburg, Grand Haven, Nunica, Coopersville, Lamont, Conklin, Marne, or Allendale, Michigan are eligible for membership.
- Persons retired as pensioners or annuitants from eligible USPS employment are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Opening a Share Savings Account with a deposit of $5.00 is required to start membership.
Membership information collected October 5, 2026.