Auto Loans · Traverse City, Michigan

Best Credit Union Car Loan Rates in Traverse City, Michigan

4 credit unions in Traverse City report car loan rates to the NCUA. Rates range from 4.99% to 9.44%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

4.99%

Lowest New Car Rate

6.44%

City Average Rate

New Vehicle Loan Rates — Traverse City, Michigan

4 credit unions sorted by APR

#Credit UnionNew Car APRUsed Car APR
1NORTHWEST CONSUMERS

★ 4.3 · 44 reviews

4.99%6.55%
2TRAVERSE CATHOLIC

★ 3.8 · 19 reviews

5.50%8.00%
3TBA

★ 4.5 · 98 reviews

5.82%7.69%
44FRONT

★ 3.0 · 30 reviews

9.44%9.44%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Traverse City, Michigan

4 credit unions sorted by APR

#Credit UnionUsed Car APRNew Car APR
1NORTHWEST CONSUMERS

★ 4.3 · 44 reviews

6.55%4.99%
2TBA

★ 4.5 · 98 reviews

7.69%5.82%
3TRAVERSE CATHOLIC

★ 3.8 · 19 reviews

8.00%5.50%
44FRONT

★ 3.0 · 30 reviews

9.44%9.44%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Traverse City credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Traverse City in the same window and take the best offer.

Browse All Credit Unions in Traverse City

See member reviews, branch locations, and full rate details.