Lake Michigan Credit Union
Lake Michigan Credit Union — auto rates starting at 5.74% APR and refinancing from any lender.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Lake Michigan Credit Union does not publish this on their public site. "No restriction" means Lake Michigan Credit Union explicitly states no limit.
Overview
Lake Michigan Credit Union (LMCU) advertises a dedicated Auto Loan Refinance product that explicitly states it can refinance a loan from any lender. As of October 2026, LMCU publishes a starting auto rate of 5.74% APR for both new and used vehicles, for well-qualified borrowers.…
What’s great
- Explicitly states it can refinance a loan from any lender
- Published starting rate of 5.74% APR for new and used autos
- Nationwide membership path available via a $5 ALS Foundation contribution
What to know
- Only an 'as low as' starting rate is published, with no disclosed maximum APR
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.74% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | Not disclosed |
| Membership requirement | Open to those who live, work, worship, or attend school in Michigan's lower peninsula or Florida, immediate family members of existing members, or anyone who contributes $5 to the ALS Foundation. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Lake Michigan Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Lake Michigan Credit Union before applying.
- [1]Auto Loan Refinance | Compare Auto Refinance Rates — Lake Michigan Credit Unionhttps://www.lmcu.org/Loans/vehicle-loans/auto-refinance/Last checked: October 2026
- [2]Credit Card & Loan Rates — Lake Michigan Credit Unionhttps://www.lmcu.org/rates/credit-card-loan-rates/Last checked: October 2026
- [3]Membership — Lake Michigan Credit Unionhttps://www.lmcu.org/about/membership/Last checked: October 2026