The Muskegon Federal Credit Union is a auto loan from Muskegon Federal Credit Union. The ongoing APR is 4.00% to 18.00% APR by credit score tier and term (Rates Effective 10/01/2026). Loan terms: 36 months or less up to 96 to 180 months (84 months requires $20,000 or more; 96 to 180 months requires $60,000 or more).