Auto Loans · Battle Creek, Michigan
4 credit unions in Battle Creek report car loan rates to the NCUA. Rates range from 4.74% to 6.69%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.48%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KELLOGG COMMUNITY ★ 3.5 · 41 reviews | 4.74% | 4.74% |
| 2 | OMNI COMMUNITY ★ 4.5 · 276 reviews | 4.99% | 6.74% |
| 3 | IGNITE ★ 3.4 · 168 reviews | 5.49% | 4.99% |
| 4 | GRAND TRUNK BATTLE CREEK EMP ★ 4.4 · 22 reviews | 6.69% | 8.45% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | KELLOGG COMMUNITY ★ 3.5 · 41 reviews | 4.74% | 4.74% |
| 2 | IGNITE ★ 3.4 · 168 reviews | 4.99% | 5.49% |
| 3 | OMNI COMMUNITY ★ 4.5 · 276 reviews | 6.74% | 4.99% |
| 4 | GRAND TRUNK BATTLE CREEK EMP ★ 4.4 · 22 reviews | 8.45% | 6.69% |
A pre-approval from a Battle Creek 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 Battle Creek in the same window and take the best offer.
See member reviews, branch locations, and full rate details.