Q2 2026 call reports
Credit union loan rates in Michigan
Michigan credit unions reported a median new auto loan rate of 5.53% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Michigan Legacy Credit Union reported the lowest, 2.19%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Michigan median | US median |
|---|---|---|
| New auto | 5.53% | 5.46% |
| Used auto | 6.22% | 6.32% |
| Credit card | 11.05% | 11.50% |
| Personal | 11.60% | 11.75% |
| Mortgage | 6.00% | 5.75% |
| Home equity | 6.94% | 6.75% |
Lowest credit card rate reported in Michigan: Circle Federal Credit Union, 4.86%. Lowest first mortgage rate: River Valley Credit Union, 2.50%. (Same size rules as the national rankings.)
Every Michigan credit union's reported rates
The 150 largest of 169 Michigan credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Lake Michigan Credit Union | 5.99% | 7.99% | 13.50% | 12.00% | 6.49% | 6.49% |
| Michigan State University Federal Credit Union | 5.99% | 5.99% | 13.90% | 17.90% | 6.13% | 6.75% |
| Dfcu Financial Credit Union | 5.24% | 5.24% | 12.90% | 15.74% | 5.88% | 6.50% |
| Genisys Credit Union | 5.49% | 5.49% | 10.90% | 9.49% | 7.49% | 7.49% |
| United Federal Credit Union | 6.26% | 7.35% | 16.76% | 16.64% | 4.89% | 7.28% |
| Michigan Schools and Government Credit Union | 5.24% | 5.99% | 10.84% | 11.00% | 5.82% | 7.49% |
| Advia Credit Union | 4.99% | 5.99% | 14.24% | 15.25% | 5.75% | 6.25% |
| Consumers Credit Union | 6.45% | 7.29% | 12.06% | 13.82% | 5.37% | 6.84% |
| Lake Trust Credit Union | 6.24% | 6.34% | 11.65% | 12.00% | 5.88% | 7.36% |
| Dow Credit Union | 5.74% | 5.49% | 10.49% | 8.25% | 8.00% | 6.50% |
| Elga Credit Union | 5.75% | 6.00% | 17.75% | 18.90% | 6.62% | 13.75% |
| Dort Financial Credit Union | 5.79% | 5.79% | 9.50% | 11.99% | 6.63% | 7.25% |
| Community Choice Credit Union | 5.99% | 5.74% | 20.49% | 22.24% | 6.38% | 6.25% |
| Honor Credit Union | 7.77% | 7.77% | 13.04% | 15.91% | 6.06% | 7.69% |
| Credit Union One | 5.30% | 6.27% | 20.63% | 13.78% | 6.01% | 7.66% |
| Financial Plus Credit Union | 5.74% | 5.74% | 13.75% | 13.50% | 6.50% | 7.24% |
| Frankenmuth Credit Union | 6.15% | 7.15% | 9.24% | 10.42% | 6.57% | 8.08% |
| Vibe Credit Union | 6.12% | 7.96% | 17.66% | 19.50% | 6.00% | 7.91% |
| Michigan First Credit Union | 5.49% | 5.99% | 17.24% | 13.99% | 9.63% | 8.25% |
| Orsa Credit Union | 8.24% | 8.99% | 13.20% | 13.20% | 5.25% | 6.79% |
| University of Michigan Credit Union | 5.24% | 5.24% | 8.99% | 9.75% | 5.75% | 6.75% |
| Wildfire Credit Union | 5.09% | 5.09% | 8.90% | 10.99% | 6.25% | 7.50% |
| Lafcu Credit Union | 6.39% | 6.39% | 8.49% | 18.00% | 4.38% | 6.25% |
| Christian Financial Credit Union | 5.49% | 5.49% | 9.75% | 10.49% | 6.49% | 6.00% |
| Michigan Educational Credit Union | 5.24% | 5.24% | 13.90% | 9.95% | 6.38% | 7.00% |
| Zeal Credit Union | 4.74% | 4.74% | 9.90% | 11.00% | 6.00% | 6.75% |
| 4front Credit Union | 9.44% | 9.44% | – | 9.79% | 7.11% | 7.15% |
| Kellogg Community Credit Union | 4.74% | 4.74% | 11.25% | 13.12% | 6.50% | 7.00% |
| Alpena-Alcona Area Credit Union | 5.25% | 6.00% | 10.96% | 8.95% | 6.50% | – |
| True Community Credit Union | 4.99% | 5.49% | 19.49% | 25.00% | 5.88% | 7.00% |
| TLC Community Credit Union | 5.09% | 5.09% | 14.75% | 11.49% | 6.25% | 6.75% |
| Members First Credit Union | 5.49% | 7.31% | 12.30% | 18.00% | 6.50% | 7.07% |
| Arbor Financial Credit Union | 4.99% | 5.99% | 12.75% | 9.50% | 6.88% | 6.75% |
| Pfcu Credit Union | 6.08% | 6.94% | 14.13% | 14.79% | 4.99% | 6.34% |
| Team One Credit Union | 5.50% | 5.50% | 10.90% | 14.90% | 4.22% | 7.50% |
| Alliance Catholic Credit Union | 5.58% | 5.99% | 15.33% | 16.11% | 5.69% | 6.69% |
| Northland Area Federal Credit Union | 4.99% | 5.99% | – | 8.99% | 5.45% | 7.50% |
| Omni Community Credit Union | 4.99% | 6.74% | 10.74% | 11.49% | 5.71% | 6.50% |
| American 1 Credit Union | 4.99% | 4.99% | 10.00% | 11.00% | 6.25% | 6.25% |
| Security Credit Union | 5.74% | 5.99% | 8.90% | 9.24% | 2.75% | 6.75% |
| Adventure Credit Union | 6.99% | 7.49% | 10.75% | 11.50% | 7.00% | 7.00% |
| Embers Credit Union | 5.25% | 5.25% | 13.90% | 12.00% | 7.38% | 7.75% |
| Sovita Credit Union | 5.22% | 5.70% | 10.91% | 9.79% | 4.63% | 5.88% |
| Diversified Members Credit Union | 6.47% | 7.38% | 11.78% | 14.50% | 4.77% | 8.24% |
| People Driven Credit Union | 5.60% | 9.99% | 12.64% | 14.39% | 6.29% | 7.76% |
| Loc Credit Union | 4.60% | 4.60% | 10.24% | 12.83% | 6.16% | 6.07% |
| Jolt Credit Union | 6.50% | 7.44% | 10.04% | 12.41% | 4.32% | 5.37% |
| Cornerstone Community Financial Credit Union | 7.86% | 9.16% | 11.21% | 13.94% | 6.18% | 8.10% |
| Public Service Credit Union | 4.99% | 7.49% | – | 8.50% | 4.00% | 6.00% |
| Wmcu Credit Union | 6.15% | 8.11% | 10.68% | 11.63% | 3.96% | 6.99% |
| Monroe Community Credit Union | 6.49% | 7.24% | 10.99% | 11.75% | 6.00% | 6.99% |
| Case Credit Union | 6.20% | 7.92% | 13.74% | 15.39% | 4.99% | 7.56% |
| Tba Credit Union | 6.28% | 8.06% | 15.25% | 11.52% | 6.49% | 6.78% |
| Ignite Credit Union | 5.49% | 4.99% | 12.24% | 13.50% | 6.50% | 6.75% |
| Our Credit Union | 4.99% | 4.99% | 8.95% | 8.99% | 6.50% | 7.00% |
| Marshall Community Credit Union | 6.49% | 6.49% | 13.75% | 13.99% | 6.50% | 6.75% |
| United Financial Credit Union | 6.10% | 5.35% | 8.75% | 22.00% | 2.88% | 6.50% |
| Peninsula Federal Credit Union | 5.37% | 6.56% | 13.62% | 13.51% | 6.16% | 8.62% |
| Freestar Financial Credit Union | 7.00% | 7.50% | 9.99% | 10.99% | 6.50% | 7.00% |
| Michigan United Credit Union | 4.99% | 4.74% | 9.74% | 15.00% | 3.75% | 6.50% |
| Extra Credit Union | 6.23% | 8.76% | 13.66% | 15.16% | 5.91% | 9.26% |
| Soo Co-Op Credit Union | 6.50% | 7.50% | 8.95% | 10.00% | 6.63% | 6.75% |
| Forest Area Federal Credit Union | 7.84% | 9.54% | 9.90% | 14.00% | 7.85% | 8.50% |
| Preferred Credit Union | 6.50% | 7.64% | 9.99% | 11.25% | 4.60% | 6.70% |
| United Bay Community Credit Union | 4.99% | 4.99% | 8.96% | 9.75% | 6.13% | 6.75% |
| Kalsee Credit Union | 6.08% | 7.03% | 11.11% | 10.01% | 4.63% | 6.53% |
| North Central Area Credit Union | 5.74% | 6.74% | 10.99% | 11.99% | 7.00% | 6.75% |
| St. Francis X Federal Credit Union | 5.00% | 5.00% | 10.75% | 9.99% | 7.50% | 6.00% |
| Advantage One Credit Union | 5.11% | 7.12% | 13.00% | 11.61% | 6.68% | 7.78% |
| Filer Credit Union | 6.25% | 6.25% | 11.88% | 11.25% | 7.13% | 7.25% |
| Gerber Federal Credit Union | 6.00% | 6.25% | 9.99% | 13.50% | 7.00% | 8.00% |
| Community West Credit Union | 5.45% | 6.20% | 14.99% | 13.75% | 7.00% | 13.00% |
| Chief Financial Federal Credit Union | 5.79% | 7.77% | 14.00% | 9.84% | 5.54% | 5.93% |
| Michigan One Community Credit Union | 3.99% | 3.99% | 12.99% | 13.00% | 7.50% | 5.29% |
| Michigan Legacy Credit Union | 2.19% | 6.19% | 9.90% | 7.50% | 4.99% | 7.98% |
| Isabella Community Credit Union | 4.90% | 4.90% | 10.75% | 18.00% | 6.50% | 6.75% |
| Parda Federal Credit Union | 5.49% | 5.49% | – | 9.70% | 4.78% | 6.75% |
| Aac Credit Union | 4.99% | 5.49% | 9.95% | 12.99% | 6.50% | 7.24% |
| U.p. State Credit Union | 5.00% | 6.50% | 9.25% | 11.00% | 5.00% | 6.40% |
| Trunorth Federal Credit Union | 5.50% | 5.50% | 11.90% | 10.60% | 5.50% | 5.50% |
| Awakon Federal Credit Union | 3.99% | 5.30% | 9.99% | 10.50% | 6.00% | 7.50% |
| Service 1 Federal Credit Union | 5.79% | 6.73% | 9.90% | 11.39% | 5.98% | 7.44% |
| Polish-American Federal Credit Union | 4.00% | 5.49% | 7.90% | 7.15% | 6.00% | 6.75% |
| Downriver Community Federal Credit Union | 5.69% | 8.19% | 13.58% | 11.85% | 4.79% | 7.14% |
| Journey Federal Credit Union | 5.55% | 6.65% | 9.68% | 12.05% | 4.64% | 9.16% |
| Safe Harbor Credit Union | 6.52% | 8.08% | 12.80% | 10.50% | 5.79% | 6.55% |
| Health Advantage Federal Credit Union | 4.74% | 4.74% | 10.90% | 10.49% | 6.25% | 6.50% |
| Family Financial Credit Union | 4.99% | 4.99% | 9.50% | 9.50% | 5.00% | 6.90% |
| Wolverine State Credit Union | 5.25% | 5.75% | 12.96% | 10.00% | 6.50% | 7.00% |
| H.p.c. Credit Union | 5.95% | 5.95% | 11.00% | 10.50% | 5.75% | 5.25% |
| Harborlight Credit Union | 6.65% | 8.66% | 10.54% | 12.34% | 4.73% | 7.03% |
| Wayne-Westland Federal Credit Union | 4.75% | 5.50% | 11.25% | 17.95% | 6.00% | 6.75% |
| Best Financial Credit Union | 6.55% | 9.65% | 14.54% | 12.30% | 6.38% | 7.46% |
| Consumers Professional Credit Union | 5.85% | 6.25% | 11.40% | 13.41% | 4.79% | 7.07% |
| Iron Mountain Kingsford Community Federal Credit Union | 4.25% | 4.25% | 9.99% | 8.75% | 6.25% | – |
| Community First Federal Credit Union | 5.24% | 5.50% | 11.90% | 10.50% | 7.50% | 8.00% |
| Financialedge Credit Union | 6.85% | 6.59% | 10.51% | 13.99% | 5.72% | 6.43% |
| Lenco Credit Union | 4.42% | 6.09% | 10.44% | 14.61% | 4.03% | 7.15% |
| Ukrainian Selfreliance Michigan Federal Credit Union | 4.45% | 5.86% | 10.00% | 11.37% | 3.98% | 5.53% |
| Walled Lake Schools Federal Credit Union | 4.94% | 4.94% | 12.84% | 8.99% | 6.50% | 6.75% |
| Breakwater Federal Credit Union | 5.37% | 6.96% | 9.78% | 11.99% | 5.73% | 6.88% |
| Integra First Federal Credit Union | 5.38% | 7.92% | 12.90% | 13.45% | 4.48% | 5.50% |
| Sunrise Family Credit Union | 5.25% | 6.25% | 8.99% | 9.99% | 5.38% | 5.70% |
| Straits Area Federal Credit Union | 6.00% | 6.50% | 10.99% | 10.50% | 8.25% | 4.75% |
| Meijer Credit Union | 6.18% | 7.48% | 10.43% | 14.31% | 6.24% | 7.61% |
| River Valley Credit Union | 4.75% | 5.00% | 7.50% | 12.99% | 2.50% | 7.20% |
| Circle Federal Credit Union | 4.97% | 4.46% | 4.86% | 10.09% | 4.16% | 4.91% |
| Marquette Community Federal Credit Union | 5.90% | 5.90% | 8.49% | 8.90% | 6.75% | 6.75% |
| Total Community Credit Union | 5.91% | 6.72% | 9.90% | 14.08% | 5.56% | 6.95% |
| The Local Credit Union | 5.50% | 6.18% | 11.81% | 14.18% | 4.39% | 6.93% |
| Great Lakes First Federal Credit Union | 6.47% | 9.25% | 12.90% | 10.93% | 6.74% | 7.70% |
| Route 31 Federal Credit Union | 7.49% | 7.49% | 9.75% | 11.24% | 7.29% | 9.99% |
| Compass Credit Union | 5.06% | 6.45% | 10.90% | 12.80% | 6.43% | 7.67% |
| Family First Credit Union | 7.83% | 8.65% | 8.99% | 14.61% | 4.65% | 8.10% |
| Traverse Catholic Federal Credit Union | 5.50% | 5.75% | 9.65% | 12.00% | 3.00% | 6.75% |
| Wexford Community Credit Union | 6.00% | 6.50% | 8.25% | 10.50% | 7.38% | 9.50% |
| Shore To Shore Community Federal Credit Union | 5.19% | 6.22% | 11.81% | 12.47% | 5.09% | 6.87% |
| South Central Credit Union | 5.29% | 5.29% | 12.99% | 10.49% | 5.49% | 7.25% |
| Limestone Financial Credit Union | 5.75% | 7.25% | 14.40% | 11.00% | 6.75% | 7.90% |
| Lake Huron Credit Union | 5.93% | 7.11% | 11.94% | 13.41% | 6.08% | 8.19% |
| Muskegon Federal Credit Union | 5.33% | 5.69% | 8.00% | 11.59% | 5.08% | 6.75% |
| Thornapple Credit Union | 6.22% | 7.89% | 10.14% | 13.97% | 5.52% | 6.75% |
| Intandem Credit Union | 5.00% | 6.50% | 14.00% | 13.50% | 6.38% | 6.25% |
| Michigan Columbus Federal Credit Union | 5.38% | 6.16% | 17.00% | 12.57% | 4.55% | 7.35% |
| Tahquamenon Area Credit Union | 5.00% | 5.25% | 11.90% | 11.20% | 6.75% | – |
| Community Focus Federal Credit Union | 4.69% | 5.99% | 12.90% | 10.00% | 6.25% | 6.75% |
| A.b.d. Federal Credit Union | 5.14% | 5.60% | 14.90% | 12.70% | 7.00% | 5.50% |
| Lincoln Park Community Credit Union | 5.61% | 6.61% | 13.20% | 12.91% | 3.00% | 7.00% |
| Baraga County Federal Credit Union | 6.00% | 6.25% | 12.90% | 11.00% | 7.00% | 7.00% |
| One Detroit Credit Union | 10.19% | 10.19% | 17.15% | 13.57% | 6.13% | 10.01% |
| Gratiot Community Credit Union | 4.40% | 4.40% | 9.90% | 8.65% | 6.25% | 6.75% |
| GR Consumers Credit Union | 4.50% | 4.50% | 14.65% | 15.00% | 3.25% | 6.75% |
| Aeroquip Credit Union | 6.15% | 7.70% | 9.80% | 7.78% | 5.25% | 7.28% |
| Southeast Michigan State Employees Federal Credit Union | 6.50% | 6.75% | 13.92% | 10.25% | 6.50% | 5.75% |
| Country Heritage Credit Union | 5.71% | 6.25% | – | 9.99% | 5.47% | 6.76% |
| Tri-Cities Credit Union | 5.59% | 5.69% | 9.50% | 12.50% | 5.99% | 6.75% |
| Lakeshore Federal Credit Union | 3.99% | 3.99% | 8.90% | 7.99% | 6.72% | 6.75% |
| Manistique Federal Credit Union | 5.42% | 6.88% | 10.50% | 9.47% | 6.11% | – |
| Auto-Owners Associates Credit Union | 5.66% | 6.00% | 10.90% | 11.34% | – | – |
| Port City Federal Credit Union | 4.73% | 4.74% | 9.99% | 10.68% | 4.73% | – |
| Chiropractic Federal Credit Union | 6.99% | 7.24% | 13.50% | 11.50% | 4.50% | 6.75% |
| Grand Trunk Battle Creek Emp Federal Credit Union | 6.69% | 8.45% | 13.90% | 13.35% | 3.75% | 7.97% |
| Gogebic County Federal Credit Union | 7.50% | 8.50% | – | 11.00% | – | – |
| Detour Drummond Community Credit Union | 5.60% | 8.87% | 12.90% | 9.49% | 6.15% | – |
| Graco Federal Credit Union | 5.57% | 6.90% | 12.99% | 9.75% | – | 7.17% |
| Settlers Federal Credit Union | 4.80% | 6.90% | 8.00% | 10.00% | 7.00% | 7.00% |
| Alpena Community Credit Union | 4.86% | 5.91% | 10.00% | 8.80% | 4.73% | 7.03% |
| Flagship Community Federal Credit Union | 5.95% | 6.25% | 12.00% | 12.50% | 6.25% | 7.00% |
| Kenowa Community Federal Credit Union | 6.25% | 5.37% | 12.50% | 10.61% | 4.93% | 7.29% |
| Montcalm Public Employees Credit Union | 6.50% | 8.00% | – | 12.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Michigan credit unions · Lowest rates nationally