--- title: "Auto-Owners Associates Credit Union Rates - Michigan" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Auto-Owners Associates Credit Union in Michigan. Updated daily with source verification. See who can join Auto-Owners Associates Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/auto-owners-associates" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Auto-Owners Associates Credit Union Rates - Michigan ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 5.000% | 36 mo | Standard | | **Up to 24-Month Auto Loan** auto_any_24mo | — APR | 5.000% | 24 mo | Standard | | **Auto Loan 37 to 48 months** auto_any_48mo | — APR | 5.250% | 48 mo | Standard | | **Auto Loan 49 to 60 months** auto_any_60mo | — APR | 5.500% | 60 mo | Standard | | **Auto Loan 61 to 72 months** auto_any_72mo | — APR | 5.750% | 72 mo | Standard | | **Auto Loan 73-84 months** auto_any_84mo | — APR | 6.000% | 84 mo | Standard | Auto-Owners Associates Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 12-Month Signature Loan** personal_unsecured_12mo | — APR | 9.750% | 12 mo | Standard | | **Signature Loan 13 to 48 months** personal_unsecured_48mo | — APR | 10.500% | 48 mo | Standard | | **Signature Loan 49 to 60 months** personal_unsecured_60mo | — APR | 11.250% | 60 mo | Standard | Auto-Owners Associates Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **VISA GOLD** credit_card | — APR | 10.900% | — | Standard | | **VISA CLASSIC** credit_card | — APR | 11.900% | — | Standard | Auto-Owners Associates Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** cd_6mo | — APY | 3.80% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.90% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.15% | 24 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.20% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.20% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.25% | 60 mo | Standard | Auto-Owners Associates Credit Union savings & cd rates as of November 13, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Small Rec up to 36 months** other | — % | 5.000% | — | Standard | | **Small Rec 37 to 48 months** other | — % | 5.250% | — | Standard | | **Small Rec 49 to 60 months** other | — % | 5.500% | — | Standard | | **Small Rec 61 to 72 months** other | — % | 6.000% | — | Standard | | **Large Rec up to 60 months** other | — % | 6.250% | — | Standard | | **Large Rec 61 to 72 months** other | — % | 6.250% | — | Standard | | **Large Rec 73 to 120 months** other | — % | 6.500% | — | Standard | | **Large Rec 121 to 180 mths** other | — % | 6.750% | — | Standard | Auto-Owners Associates Credit Union other rates as of November 13, 2026 Auto-Owners Associates Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/auto-owners-associates) , verified from [Auto-Owners Associates Credit Union's official website](https://www.aoacu.com/) Loading branch locator… ## About Auto-Owners Associates Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.5K Assets $43.4M Founded 1948 Locations reported 1 NCUA charter 62543 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education 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. [**Adventure** Saginaw · Lansing · MI · 48917 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/adventure) [**Case** West Saginaw · Lansing · MI · 48917 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/case) [**Lake Trust** West Saginaw · Lansing · MI · 48917 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/lake-trust) [**Farm Bureau Family** Main Office · Lansing · MI · 48917-1124 About 1.5 miles away](https://rateapi.dev/credit-unions/michigan/farm-bureau-family) [**DFCU Financial** DFCU - Delta · Lansing · MI · 48917-1130 About 1.5 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**LAFCU** Main · Lansing · MI · 48917-7753 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/lafcu) 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 Auto-Owners Associates Credit Union Membership eligibility from Auto-Owners Associates Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Auto-Owners Associates Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Auto-Owners Associates Credit Union's membership page](https://www.aoacu.com/) . Final membership determination is always made by the credit union. ## Work at Auto-Owners Associates 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 Auto-Owners Associates Credit Union ranks against Michigan peers. - See which AI assistants fetched Auto-Owners Associates 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=auto-owners-associates&state=michigan&code=MI&name=Auto-Owners%20Associates%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Auto-Owners Associates Credit Union offer? Auto-Owners Associates Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Auto-Owners Associates Credit Union rates updated? RateAPI verifies Auto-Owners Associates Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Auto-Owners Associates Credit Union's rate data? Rate data is collected directly from Auto-Owners Associates Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Auto-Owners Associates Credit Union? Auto-Owners Associates Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Auto-Owners Associates 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 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.aoacu.com/) ### 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 Auto-Owners Associates 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 Auto-Owners Associates Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /auto-owners-associates " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Auto-Owners Associates Credit Union locations Search, filter, and browse all 1 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/auto-owners-associates Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp