--- title: "American 1 Credit Union: #1 Used Auto Loan in Michigan" description: "American 1 Credit Union has the lowest tracked used-car loan rate in Michigan (4.99% APR) among 35 credit unions we verify. American 1 Credit Union rates today: vehicle loans from 4.99% APR, personal loans from 10.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join American 1 Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/american-1-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # American 1 Credit Union: #1 Used Auto Loan in Michigan ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | 4.990% APR | 4.990% | used | Standard | | **New & Used Auto** auto_any_72mo | — APR | 4.990% | 72 mo · any | Standard | | **Mobility** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **New Auto Loan** auto_new | 4.990% APR | 4.990% | new | Standard | | **Boat Loan** boat | — APR | 5.990% | — | Standard | | **84-Month Boat Loan** boat_any_84mo | — APR | 5.990% | 84 mo | Standard | | **RV/Camper** rv_any_60mo | — APR | 5.990% | 60 mo | Standard | | **120-Month RV Loan** rv_any_120mo | 5.990% APR | 5.990% | 120 mo | Standard | | **Other**** auto_any_60mo | — APR | 6.740% | 60 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 6.740% | 60 mo | Standard | American 1 Credit Union auto & vehicle rates as of September 25, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **4.00% APR floor on HELOC rates.** heloc_variable | — APR | 4.000% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 7.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.500% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.750% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.000% | — | Standard | American 1 Credit Union heloc rates as of September 25, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 10.000% APR | 10.000% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.000% | 60 mo | Standard | American 1 Credit Union personal loan rates as of September 25, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Non-Variable Rate** credit_card | — APR | 10.000% | — | Standard | American 1 Credit Union credit card rates as of September 25, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Tractor** equipment | — APR | 5.240% | — | Standard | American 1 Credit Union equipment loan rates as of September 25, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **MOBILITY LOAN** other | — % | 4.990% | — | Standard | American 1 Credit Union other rates as of September 25, 2026 Vehicle loans available from 4.99% APR. Personal loan rates from 10% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/american-1) , verified from [American 1 Credit Union's official website](https://www.american1cu.org/) Best product position **#1 of 35** used-car loan Gap to state best **0 bp** State market leader Vs. state median **55 bp better than median** used-car loan Products ranked **3** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.99% | Better than the Michigan median | 49 bp from state best | 25 bp better than median | | used-car loan | 4.99% | #1 of 35 · lowest in Michigan | State market leader | 55 bp better than median | | personal loan | 10.00% | Room to improve vs. the Michigan median | 750 bp from state best | 1 bp behind median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim American 1 Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=american-1&state=michigan&code=MI&name=American%201%20Credit%20Union) Loading branch locator… ## About American 1 Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 67.6K Assets $666.9M Founded 1980 Locations reported 18 NCUA charter 65595 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Community Choice** 17 Jackson Member Center · Jackson · MI · 49201-8610 About 2.5 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) [**True Community** Parnall · Jackson · MI · 49201 About 2.5 miles away](https://rateapi.dev/credit-unions/michigan/true-community) [**Michigan State University** MSUFCU - Jackson Branch · Jackson · MI · 49202-4198 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/michigan-state-university) [**South Central** South Central Credit Union · Jackson · MI · 49202-2036 About 3.6 miles away](https://rateapi.dev/credit-unions/michigan/south-central) [**Aeroquip** Aeroquip Credit Union · Jackson · MI · 49202-3916 About 4.1 miles away](https://rateapi.dev/credit-unions/michigan/aeroquip) [**Ignite** Jackson Branch · Jackson · MI · 49201-1509 About 4.8 miles away](https://rateapi.dev/credit-unions/michigan/ignite) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join American 1 Credit Union Membership eligibility from American 1 Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. **Cost to join:** About $3. Verified from [American 1 Credit Union's membership page](https://www.american1cu.org/be-a-member) . Final membership determination is always made by the credit union. ## Membership rules for American 1 Credit Union Open to anyone 1 published path to membership, last verified August 20, 2026, quoted from American 1 Credit Union’s own published criteria. ### Open to anyone 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 20, 2026 - Deposit Purchase “To become a member at American 1 Credit Union, you first need to join Community 1 Cooperative. Membership in Community 1 Cooperative is only $3 and is open to anyone.” > [source ↗](https://www.american1cu.org/be-a-member) - Open to anyone and Qualifying payment of $3 Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for American 1 Credit Union? Yes No ## Work at American 1 Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where American 1 Credit Union ranks against Michigan peers. - See which AI assistants fetched American 1 Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=american-1&state=michigan&code=MI&name=American%201%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does American 1 Credit Union offer? American 1 Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are American 1 Credit Union rates updated? RateAPI verifies American 1 Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get American 1 Credit Union's rate data? Rate data is collected directly from American 1 Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are American 1 Credit Union's auto, rv, boat & motorcycle loan rates? As of September 25, 2026, American 1 Credit Union offers vehicle loans from 4.99% APR. ### What is American 1 Credit Union's personal loan rate? As of September 25, 2026, American 1 Credit Union offers personal loans from 10% APR. ### Who can join American 1 Credit Union? Anyone can join American 1 Credit Union — there is no employer, location, or affiliation requirement. RateAPI tracks 1 published membership path for American 1 Credit Union, each quoted from American 1 Credit Union's own published membership criteria. ## Related Rate Data Compare American 1 Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.american1cu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track American 1 Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for American 1 Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /american-1 " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## American 1 Credit Union locations Search, filter, and browse all 18 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/american-1-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp