Credit union · NCUA insured
Wildfire Credit Union Auto Loan Rates
Wildfire Credit Union auto loans start at 5.09% APR for a new vehicle and 5.09% for a used one. Rates checked October 16, 2026.
How Wildfire Credit Union’s auto loan rates compare
Compared with banks and credit unions near Saginaw, MI, where Wildfire Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Wildfire Credit Union
5.09%APR
- Terms
- 12–60 months
- Discount
- None included
Auto Loan
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
Wildfire Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew5.09%
- Used vehicleUsed5.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wildfire 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 Loan
Loans are based on credit approval. Rates are based on applicant credit score and subject to change without notice. Credit terms for loans secured by autos may require up to a 20% down payment based on credit worthiness. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 5.09% | Autos Any Model Year. Payment per $1,000 borrowed based on maximum term is $23.08/mo. |
| 12–60 months | 5.09% | Autos 2018 - Newer. Payment per $1,000 borrowed based on maximum term is $18.92/mo. |
| 61–72 months | 5.24% | Autos 2021 - Newer. Payment per $1,000 borrowed based on maximum term is $16.22/mo. |
| 73–84 months | 5.75% | Autos 2022 - Newer. Payment per $1,000 borrowed based on maximum term is $14.50/mo. |
Sources (3)
All captured Oct 5, 2026
Motorcycle Loan
Loans are based on credit approval. Rates are based on applicant credit score and subject to change without notice. Credit terms for loans secured by motorcycles may require up to a 20% down payment based on credit worthiness. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 5.09% | Motorcycles Any Model Year. Payment per $1,000 borrowed based on maximum term is $23.08/mo. |
| 12–60 months | 5.09% | Motorcycles 2018 - Newer. Payment per $1,000 borrowed based on maximum term is $18.92/mo. |
| 61–72 months | 5.24% | Motorcycles 2021 - Newer. Payment per $1,000 borrowed based on maximum term is $16.22/mo. |
| 73–84 months | 5.75% | Motorcycles 2022 - Newer. Payment per $1,000 borrowed based on maximum term is $14.50/mo. |
Who can join Wildfire Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.