Auto Loans · Adrian, Michigan
2 credit unions in Adrian report car loan rates to the NCUA. Rates range from 4.38% to 5.09%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.38%
Lowest New Car Rate
4.74%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LENCO ★ 4.1 · 32 reviews | 4.38% | 6.06% |
| 2 | TLC COMMUNITY ★ 3.8 · 72 reviews | 5.09% | 5.09% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TLC COMMUNITY ★ 3.8 · 72 reviews | 5.09% | 5.09% |
| 2 | LENCO ★ 4.1 · 32 reviews | 6.06% | 4.38% |
A pre-approval from a Adrian 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 Adrian in the same window and take the best offer.
See member reviews, branch locations, and full rate details.