Auto Loans

78026516If you’re in the market for a vehicle, it’s definitely the right time to buy. Just be smart about how you do it. For example, did you know that you can buy Gap Insurance straight from the dealer? But watch out because some dealers will charge you between $600 and $700 dollars. That’s literally twice what you would have paid if you had come straight to the credit union.

And don’t let anyone tell you that going into the credit union is too inconvenient. You can apply for your new car online right now from the comfort of your home.

87773771Rates not low enough for ya? Well, sign up for club rebates and put a little extra money in your pocket. Call a loan officer for more information, or apply online and sign up for automatic funds transfers and direct deposit. It’s that easy…

New Auto3.50%3.50%Up to 36 Months
Used Auto3.50%3.50%Up to 36 Months
First Time Car Borrower***5.40%5.40%Up to 60 Months
*We have all kinds of rates on all kinds of auto products. Our lowest rates are presented here. Call to find out more. In the above example, an APR of 3.50% on a $20,000, 36 month loan would require a monthly payment of $586.04. Insurance is required on all loans secured by collateral. An APR of 5.40% on a $10,000 loan for 60 months would equate to a monthly payment of $190.55.
**Apply online or call for exact pricing
***Some restrictions apply. Call to find out more.

Loan Calculator




  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Additional Information

First Time Auto Loan: It often happens that sometimes a member will suddenly realize (usually about the time he’s buying a vehicle) that he has nothing to show on his credit report. We offer a special loan program for these members. Some restrictions apply. Call to find out more.

Drive Smart: Filer Credit Union has teamed up with a national partner, Auto Financial Group (AFG) to bring you Drive Smart. Here are the basic details; during the life of the loan, you may sell your vehicle, trade it in, refinance or pay it off at any time without an early termination fee. Or at the end of the loan, you may simply walk away from the final balloon payment and turn the vehicle in.

Car shopping just got easier at Filer Credit Union!  We have a new partnership with CU Direct Lending, also known as CUDL. This new partnership allows you more shopping options than our local Manistee area. CUDL is partnered with hundreds of dealerships across Michigan, this partnership allows you to finance your next auto with Filer Credit Union no matter where you find your dream car (in Michigan that is!) The dealership will handle all the lending with us without you stepping a foot inside one of our branches!  So, start shopping now for your best deal, it’s never been easier! CUDL Auto Smart

Refinance: Did you make the horrendous mistake of financing your last vehicle at another financial institution? Well, we forgive you, but you can make it up to us (and yourself) by refinancing at one of our low rates. No application fees!