Auto Loans · Muskegon, Michigan
9 credit unions in Muskegon report car loan rates to the NCUA. Rates range from 3.99% to 8.95%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
3.99%
Lowest New Car Rate
6.14%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LAKESHORE ★ 5.0 · 16 reviews | 3.99% | 3.99% |
| 2 | PORT CITY ★ 4.3 · 35 reviews | 4.67% | 4.60% |
| 3 | MUSKEGON ST JOSEPH ★ 4.5 · 47 reviews | 5.00% | 7.50% |
| 4 | MUSKEGON ★ 4.5 · 47 reviews | 5.33% | 5.54% |
| 5 | WEST MICHIGAN POSTAL SERVICE ★ 5.0 · 5 reviews | 5.74% | 7.20% |
| 6 | SERVICE 1 ★ 4.2 · 81 reviews | 5.85% | 6.69% |
| 7 | ROUTE 31 ★ 4.7 · 355 reviews | 7.49% | 7.49% |
| 8 | MICHIGAN COASTAL ★ 4.0 · 41 reviews | 8.24% | 8.74% |
| 9 | BEST FINANCIAL ★ 4.6 · 395 reviews | 8.95% | 10.57% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LAKESHORE ★ 5.0 · 16 reviews | 3.99% | 3.99% |
| 2 | PORT CITY ★ 4.3 · 35 reviews | 4.60% | 4.67% |
| 3 | MUSKEGON ★ 4.5 · 47 reviews | 5.54% | 5.33% |
| 4 | SERVICE 1 ★ 4.2 · 81 reviews | 6.69% | 5.85% |
| 5 | WEST MICHIGAN POSTAL SERVICE ★ 5.0 · 5 reviews | 7.20% | 5.74% |
| 6 | ROUTE 31 ★ 4.7 · 355 reviews | 7.49% | 7.49% |
| 7 | MUSKEGON ST JOSEPH ★ 4.5 · 47 reviews | 7.50% | 5.00% |
| 8 | MICHIGAN COASTAL ★ 4.0 · 41 reviews | 8.74% | 8.24% |
| 9 | BEST FINANCIAL ★ 4.6 · 395 reviews | 10.57% | 8.95% |
A pre-approval from a Muskegon 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 Muskegon in the same window and take the best offer.
See member reviews, branch locations, and full rate details.