Auto Loans · Sterling Height, Michigan
2 credit unions in Sterling Height report car loan rates to the NCUA. Rates range from 5.45% to 5.49%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.45%
Lowest New Car Rate
5.47%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | THE LOCAL ★ 4.2 · 76 reviews | 5.45% | 6.18% |
| 2 | CHRISTIAN FINANCIAL ★ 4.2 · 186 reviews | 5.49% | 5.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CHRISTIAN FINANCIAL ★ 4.2 · 186 reviews | 5.49% | 5.49% |
| 2 | THE LOCAL ★ 4.2 · 76 reviews | 6.18% | 5.45% |
A pre-approval from a Sterling Height 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 Sterling Height in the same window and take the best offer.
See member reviews, branch locations, and full rate details.