--- title: "Warren Municipal Credit Union: #1 Used Auto Loan in Michigan" description: "Warren Municipal Credit Union has the lowest tracked used-car loan rate in Michigan (4.99% APR) among 34 credit unions we verify. Warren Municipal Credit Union rates today: vehicle loans from 4.99% APR, personal loans from 5.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Warren Municipal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/warren-municipal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Warren Municipal Credit Union: #1 Used Auto Loan in Michigan ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Used Cars and Trucks** auto_used_60mo | 4.990% APR | 4.990% | 60 mo · used | Standard | | **New Cars and Trucks** auto_new_60mo | 4.990% APR | 4.990% | 60 mo · new | Standard | | **New Cars and Trucks** auto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard | | **New Boats/RV** boat_new_180mo | 6.000% APR | 6.000% | 180 mo · new | Standard | | **Used Boats /RV** boat_used_144mo | 7.000% APR | 7.000% | 144 mo · used | Standard | | **New 4 Wheelers/Jet Skies** powersports_new_60mo | 7.000% APR | 7.000% | 60 mo · new | Standard | | **Used 4 Wheelers/Jet Skies** powersports_used_60mo | 8.000% APR | 8.000% | 60 mo · used | Standard | | **60-Month New Motorcycle Loan** motorcycle_new_60mo | 8.250% APR | 8.250% | 60 mo · new | Standard | | **60-Month Used Motorcycle Loan** motorcycle_used_60mo | 8.500% APR | 8.500% | 60 mo · used | Standard | | **New Snowmobiles/Tractors/Backhoes** powersports_new_60mo | 10.000% APR | 10.000% | 60 mo · new | Standard | | **Used Snowmobiles/Tractors/Backhoes** powersports_used_60mo | 11.000% APR | 11.000% | 60 mo · used | Standard | Warren Municipal Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Closed End Signature Loan** personal_unsecured_36mo | 5.990% APR | 5.990% | 36 mo | Standard | | **Holiday Loan** personal_unsecured_12mo | 8.500% APR | 8.500% | 12 mo | Standard | Warren Municipal Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Regular Shares** savings | — APY | 5.00% | — | Standard | Warren Municipal Credit Union savings & cd rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New and Used** other | 5.990% % | 5.990% | — | Standard | | **Revolving Credit** other | 15.000% % | 15.000% | — | Standard | Warren Municipal Credit Union other rates as of November 13, 2026 Vehicle loans available from 4.99% APR for 60 months. Personal loan rates from 5.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/warren-municipal) , verified from [Warren Municipal Credit Union's official website](https://www.warrenmunicipalfcu.com/) Best product position **#1 of 34** 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 | 50 bp better than median | | used-car loan | 4.99% | #1 of 34 · lowest in Michigan | State market leader | 55 bp better than median | | personal loan | 5.99% | Better than the Michigan median | 349 bp from state best | 400 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Warren Municipal 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=warren-municipal&state=michigan&code=MI&name=Warren%20Municipal%20Credit%20Union) Loading branch locator… ## About Warren Municipal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.3K Assets $20.8M Founded 1952 Locations reported 1 NCUA charter 7633 Charter type Federal credit union ### Services and member support - Electronic statements 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. [**Michigan United** Warren · Warren · MI · 48093 About 0.6 miles away](https://rateapi.dev/credit-unions/michigan/michigan-united) [**Community Choice** 01 Warren Member Center · Warren · MI · 48092-4704 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) [**Extra** Extra Credit Union · Warren · MI · 48092-1685 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/extra) [**People Driven** Eastside Branch · Warren · MI · 48092-2038 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/people-driven) [**Our** 12 Mile Road Office · Warren · MI · 48092-2307 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/our) [**A.b.d.** ABD FEDERAL CREDIT UNION · WARREN · MI · 48092 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/abd) 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 Warren Municipal Credit Union Membership eligibility from Warren Municipal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Warren Municipal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Warren Verified from [Warren Municipal Credit Union's membership page](https://www.warrenmunicipalfcu.com/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Warren Municipal Credit Union Employers · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from Warren Municipal Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of City of Warren “City of Warren Employees” > [source ↗](https://www.warrenmunicipalfcu.com/about-us/membership) - Employee of City of Warren ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family members “City of Warren Employees and their immediate family members.” > [source ↗](https://www.warrenmunicipalfcu.com/about-us/membership) - Family member (immediate family members) of a member - Family of someone eligible immediate family “City of Warren Employees and their immediate family members.” > [source ↗](https://www.warrenmunicipalfcu.com/about-us/membership) - Family member (immediate family) of an eligible person 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 Warren Municipal Credit Union? Yes No ## Work at Warren Municipal 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 Warren Municipal Credit Union ranks against Michigan peers. - See which AI assistants fetched Warren Municipal 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=warren-municipal&state=michigan&code=MI&name=Warren%20Municipal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Warren Municipal Credit Union offer? Warren Municipal Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Warren Municipal Credit Union rates updated? RateAPI verifies Warren Municipal 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 Warren Municipal Credit Union's rate data? Rate data is collected directly from Warren Municipal 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 Warren Municipal Credit Union's auto, boat, motorcycle & powersports loan rates? As of November 13, 2026, Warren Municipal Credit Union offers vehicle loans from 4.99% APR. ### What is Warren Municipal Credit Union's personal loan rate? As of November 13, 2026, Warren Municipal Credit Union offers personal loans from 5.99% APR. ### Who can join Warren Municipal Credit Union? Warren Municipal Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Warren Municipal Credit Union, each quoted from Warren Municipal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Warren Municipal 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) [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.warrenmunicipalfcu.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 Warren Municipal 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 Warren Municipal Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /warren-municipal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Warren Municipal 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/warren-municipal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp