Auto Loans · Alma, Michigan
2 credit unions in Alma report car loan rates to the NCUA. Rates range from 4.40% to 5.57%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.40%
Lowest New Car Rate
4.99%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GRATIOT COMMUNITY ★ 4.0 · 13 reviews | 4.40% | 4.40% |
| 2 | GRACO ★ 3.8 · 32 reviews | 5.57% | 6.92% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GRATIOT COMMUNITY ★ 4.0 · 13 reviews | 4.40% | 4.40% |
| 2 | GRACO ★ 3.8 · 32 reviews | 6.92% | 5.57% |
A pre-approval from a Alma 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 Alma in the same window and take the best offer.
See member reviews, branch locations, and full rate details.