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Vehicle Loans

Whether you are looking to buy or refinance an auto, RV, snowmobile or other - we have great financing options for you. We make it easy to apply for loan, offer competitive rates, flexible repayment terms, our Payment Relief program and more. We work hard to find ways to approve your loan, all the while finding a solution that works best with your finances.

Apply online for a FCU vehicle loan

Auto Loans
Effective Date: Friday, November 15th, 2019
NameAPR as low as*RateTerm

Auto & Motorcycle

2016 or newer 3.918% 3.590% 75 Months
2015 - 2013 3.977% 3.590% 63 Months
2012 - 2010 4.064% 3.590% 51 Months
2009 & older 4.201% 3.590% 39 Months
Antique Auto 5.892% 5.50% 63 Months
Antique Auto category is for vehicles 20+ yrs old.

Driving Sense - our lease look-a-like

5 Model Yrs Old & Newer Qualify 3.977% 3.590% up to 63 months
*APR = Annual Percentage Rate. APR based on sample loan amount of $10,000, payable in the number of months shown above. Actual APR may be higher or lower, depending on amount borrowed, length of repayment and credit score. Rates differ for members less than 90 days. Must meet FCU's normal underwriting qualifications for approval. Rates may change at any time. **Rate is the annual rate of interest applied to the outstanding loan balance. Contact us for more details.

Driving Sense Our Lease Look A-Like Program

Looking for a new set of wheels but wish you could have a lower monthly payment? Driving Sense can help. Driving Sense is similar to a lease in that your payment is typically much lower, plus you have the option to turn the vehicle in at the end of your lease. But unlike a lease, you own the vehicle. So you could say you are getting the best of both worlds. Check into Driving Sense today. Here is where you can go to figure what a lease look-a-like payment could be.

Protect yourself from expensive vehicle repair bills with Bumper to Bumper coverage.

Mechanical Breakdown Protection is available on new, used or leased vehicles. Options available in your service contract include protection against mechanical breakdown, bumper to bumper protection, only one deductible per visit, tire road hazard coverage, nationwide protection, increased residual value, and fully insured coverage. Ask us if you can add MBP coverage to your existing auto loan, or add it to your next vehicle purchase for a more economical protection on that new purchase. Click here for more information!

GAP Coverage

Insure your outstanding loan balance with GAP coverage in case of a total loss or theft of your vehicle. GAP protection is a product that insures the difference between your loan balance and the amount of money you would receive from the insurance company in case your vehicle is totaled or stolen*. Imagine the amount of depreciation on your vehicle the moment you drive it off the lot! GAP protection is an affordable way to limit your losses in case your collateral is compromised.

GAP is good on automobiles, vans, light trucks, motorcycles, boats, travel trailers, motor homes, golf carts, jet skis, snowmobiles and almost any other vehicle.

Click here for more Information!  Ask us if you may add GAP coverage on your existing loan today!

*GAP covers up to 125% of the retail value of your vehicle.


FCU Financing Right at the Dealership

Frankenmuth Credit Union has a special financing agreement with many of our local dealerships. Because of this, you can get our GREAT Frankenmuth Credit Union financing right at the dealership. Below are some of our rates and a list of the dealerships Frankenmuth Credit Union participates in convenient indirect financing with:

  • Schaefer & Bierlein Chrysler Dodge Jeep - Frankenmuth
  • Lafontaine - Frankenmuth
  • Mike Young Buick GMC Inc. - Frankenmuth
  • Cook GM Super Store- Vassar
  • Keyser Chevrolet Buick Inc. - Reese
  • McDonalds Chevrolet Inc. - Millington
  • McDonald Ford - Freeland
  • Suski Chevrolet Buick Inc. - Birch Run
  • McDonald GMC - Saginaw
  • Pat Curtis - Caro
  • Draper Chevrolet - Saginaw
  • Garber Chrysler Dodge Jeep Ram - Saginaw
  • Thelen Auto Group - Bay City
  • Graff Chevrolet - Bay City
  • Bay Cycle Sales - Bay City
  • Young's - Owosso
  • Burt Watson - Freeland
  • Labadie GMS - Bay City
  • Tradewinds RV - Clio
  • Hamilton's RV -Saginaw
  • Saginaw Valley Ford
  • McDonald Kia - Saginaw
  • Martin Chevrolet - Saginaw
  • Hagen Ford - Bay City
  • Moore Motors - Caro
  • Moore Shoreline - Sebewaing
  • Garber Buick - Saginaw
  • Garber Nissan - Saginaw
  • Tubbs Brothers - Sandusky
  • Bell Wasik - Caro
  • Shafer - Pinconning
  • Tri City RV - Bay City
  • Linwood Chevrolet - Linwood
  • Labadie Toyota - Bay City
  • Marlette Chrysler
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