Auto Loans · Saginaw, Michigan
7 credit unions in Saginaw report car loan rates to the NCUA. Rates range from 5.44% to 7.76%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
5.44%
Lowest New Car Rate
6.26%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WILDFIRE ★ 4.5 · 149 reviews | 5.44% | 5.44% |
| 2 | LAKE HURON ★ 4.5 · 37 reviews | 5.63% | 7.35% |
| 3 | TEAM ONE ★ 4.6 · 204 reviews | 6.00% | 6.00% |
| 4 | UNITED FINANCIAL ★ 4.5 · 74 reviews | 6.10% | 5.35% |
| 5 | JOLT ★ 4.1 · 132 reviews | 6.40% | 7.48% |
| 6 | HEALTH ADVANTAGE ★ 4.5 · 163 reviews | 6.49% | 4.74% |
| 7 | FAMILY FIRST ★ 4.0 · 51 reviews | 7.76% | 8.82% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HEALTH ADVANTAGE ★ 4.5 · 163 reviews | 4.74% | 6.49% |
| 2 | UNITED FINANCIAL ★ 4.5 · 74 reviews | 5.35% | 6.10% |
| 3 | WILDFIRE ★ 4.5 · 149 reviews | 5.44% | 5.44% |
| 4 | TEAM ONE ★ 4.6 · 204 reviews | 6.00% | 6.00% |
| 5 | LAKE HURON ★ 4.5 · 37 reviews | 7.35% | 5.63% |
| 6 | JOLT ★ 4.1 · 132 reviews | 7.48% | 6.40% |
| 7 | FAMILY FIRST ★ 4.0 · 51 reviews | 8.82% | 7.76% |
A pre-approval from a Saginaw 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 Saginaw in the same window and take the best offer.
See member reviews, branch locations, and full rate details.