Auto Loans · Grand Rapids, Michigan
7 credit unions in Grand Rapids report car loan rates to the NCUA. Rates range from 4.99% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.94%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | AAC ★ 4.2 · 29 reviews | 4.99% | 5.49% |
| 2 | INTANDEM ★ 3.8 · 47 reviews | 5.00% | 6.00% |
| 3 | LAKE MICHIGAN ★ 3.4 · 91 reviews | 5.99% | 7.99% |
| 4 | PREFERRED ★ 4.1 · 122 reviews | 6.00% | 7.45% |
| 5 | WMCU ★ 3.7 · 44 reviews | 6.09% | 7.97% |
| 6 | MEIJER ★ 4.1 · 203 reviews | 6.52% | 7.67% |
| 7 | ADVENTURE ★ 4.5 · 236 reviews | 6.99% | 7.49% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AAC ★ 4.2 · 29 reviews | 5.49% | 4.99% |
| 2 | INTANDEM ★ 3.8 · 47 reviews | 6.00% | 5.00% |
| 3 | PREFERRED ★ 4.1 · 122 reviews | 7.45% | 6.00% |
| 4 | ADVENTURE ★ 4.5 · 236 reviews | 7.49% | 6.99% |
| 5 | MEIJER ★ 4.1 · 203 reviews | 7.67% | 6.52% |
| 6 | WMCU ★ 3.7 · 44 reviews | 7.97% | 6.09% |
| 7 | LAKE MICHIGAN ★ 3.4 · 91 reviews | 7.99% | 5.99% |
A pre-approval from a Grand Rapids 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 Grand Rapids in the same window and take the best offer.
See member reviews, branch locations, and full rate details.