Auto Loan Rates

Rates Effective as of: January 23, 2020

TermAnnual Percentage Rate
New Auto
Up to 60 Months2.75% to 7.00%
Up to 72 Months2.75% to 7.25%
Up to 78 Months3.50% to 5.00%
Up to 84 Months3.75% to 5.50%
Used Auto 2017 – 2019
Up to 48 Months3.50% to 7.50%
Up to 60 Months3.75% to 7.75%
Up to 72 Months3.75% to 8.00%
Used Auto 2014 – 2016
Up to 60 Months4.00% to 8.00%
Up to 72 Months4.25% to 8.25%
Used Auto 2011 – 2013
Up to 48 Months5.00% to 9.00%
Up to 60 Months5.50% to 9.50%
Used Auto 2008 – 2010
Up to 48 Months6.00% to 10.00%
Up to 60 Months6.50% to 10.50%
Used Auto 2007 and Older
Up to 48 Months7.00% to 11.00%

APR=Annual Percentage Rate. APR is based on the term of loan, credit score, collateral, and loan to value. Lowest rate shown is offered to applicants with excellent credit scores. New money only. Rates are subject to change at any time. Same-day loan approval on most automobile loan applications. Contact a Member Service Representative for more details.

Auto Loan Rate Discount

An additional 0.25% rate discount is applied when a member has an active checking account with 5 or more monthly debit transactions and automatic transfer for monthly loan payments.

Applying is Simple and Easy:  In person, fax, or Online Banking. If you already have a loan with us, just call 906-632-4210 and one of our loan officers will be happy to assist you over the phone.