Auto Loans · Detroit, Michigan
5 credit unions in Detroit report car loan rates to the NCUA. Rates range from 4.25% to 10.45%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.25%
Lowest New Car Rate
6.31%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | I.M. DETROIT DISTRICT ★ 1.0 · 1 reviews | 4.25% | — |
| 2 | ELECTRICAL WORKERS LOCAL 58 ★ 4.7 · 106 reviews | 5.25% | 5.75% |
| 3 | INTERNATIONAL UAW ★ 4.2 · 6 reviews | 5.25% | 6.25% |
| 4 | DIVERSIFIED MEMBERS ★ 4.1 · 293 reviews | 6.36% | 7.39% |
| 5 | ONE DETROIT ★ 3.1 · 101 reviews | 10.45% | 10.45% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ELECTRICAL WORKERS LOCAL 58 ★ 4.7 · 106 reviews | 5.75% | 5.25% |
| 2 | INTERNATIONAL UAW ★ 4.2 · 6 reviews | 6.25% | 5.25% |
| 3 | DIVERSIFIED MEMBERS ★ 4.1 · 293 reviews | 7.39% | 6.36% |
| 4 | ONE DETROIT ★ 3.1 · 101 reviews | 10.45% | 10.45% |
A pre-approval from a Detroit 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 Detroit in the same window and take the best offer.
See member reviews, branch locations, and full rate details.