Auto Loans · Alpena, Michigan
5 credit unions in Alpena report car loan rates to the NCUA. Rates range from 4.89% to 5.95%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.89%
Lowest New Car Rate
5.47%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALPENA COMMUNITY ★ 4.4 · 18 reviews | 4.89% | 5.95% |
| 2 | ALPENA-ALCONA AREA ★ 4.8 · 374 reviews | 5.25% | 6.00% |
| 3 | NORTHLAND AREA ★ 3.3 · 16 reviews | 5.49% | 5.99% |
| 4 | WOLVERINE STATE ★ 4.3 · 52 reviews | 5.75% | 6.25% |
| 5 | H.P.C. ★ 4.8 · 245 reviews | 5.95% | 5.95% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALPENA COMMUNITY ★ 4.4 · 18 reviews | 5.95% | 4.89% |
| 2 | H.P.C. ★ 4.8 · 245 reviews | 5.95% | 5.95% |
| 3 | NORTHLAND AREA ★ 3.3 · 16 reviews | 5.99% | 5.49% |
| 4 | ALPENA-ALCONA AREA ★ 4.8 · 374 reviews | 6.00% | 5.25% |
| 5 | WOLVERINE STATE ★ 4.3 · 52 reviews | 6.25% | 5.75% |
A pre-approval from a Alpena 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 Alpena in the same window and take the best offer.
See member reviews, branch locations, and full rate details.