Auto Loans · Farmington, Michigan
2 credit unions in Farmington report car loan rates to the NCUA. Rates range from 4.90% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.90%
Lowest New Car Rate
5.95%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LOC ★ 4.9 · 773 reviews | 4.90% | 4.90% |
| 2 | CHIROPRACTIC ★ 4.6 · 19 reviews | 6.99% | 7.24% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOC ★ 4.9 · 773 reviews | 4.90% | 4.90% |
| 2 | CHIROPRACTIC ★ 4.6 · 19 reviews | 7.24% | 6.99% |
A pre-approval from a Farmington 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 Farmington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.