Auto Loans · St Joseph, Michigan
1 credit union in St Joseph report car loan rates to the NCUA. Lowest rate: 6.33%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
6.33%
Lowest New Car Rate
6.33%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNITED ★ 4.1 · 117 reviews | 6.33% | 7.45% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UNITED ★ 4.1 · 117 reviews | 7.45% | 6.33% |
A pre-approval from a St Joseph 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 St Joseph in the same window and take the best offer.
See member reviews, branch locations, and full rate details.