Auto Loans · 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
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHWEST CONSUMERS ★ 4.3 · 44 reviews | 4.99% | 6.55% |
| 2 | TRAVERSE CATHOLIC ★ 3.8 · 19 reviews | 5.50% | 8.00% |
| 3 | TBA ★ 4.5 · 98 reviews | 5.82% | 7.69% |
| 4 | 4FRONT ★ 3.0 · 30 reviews | 9.44% | 9.44% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTHWEST CONSUMERS ★ 4.3 · 44 reviews | 6.55% | 4.99% |
| 2 | TBA ★ 4.5 · 98 reviews | 7.69% | 5.82% |
| 3 | TRAVERSE CATHOLIC ★ 3.8 · 19 reviews | 8.00% | 5.50% |
| 4 | 4FRONT ★ 3.0 · 30 reviews | 9.44% | 9.44% |
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.
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.
See member reviews, branch locations, and full rate details.