Auto Loans · Michigan City, Indiana
2 credit unions in Michigan City report car loan rates to the NCUA. Rates range from 5.49% to 6.85%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
6.17%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST TRUST ★ 3.1 · 27 reviews | 5.49% | 4.49% |
| 2 | MEMBERS ADVANTAGE ★ 2.6 · 33 reviews | 6.85% | 6.85% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST TRUST ★ 3.1 · 27 reviews | 4.49% | 5.49% |
| 2 | MEMBERS ADVANTAGE ★ 2.6 · 33 reviews | 6.85% | 6.85% |
A pre-approval from a Michigan City credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Michigan City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.