The University of Michigan Credit Union is a auto loan from University of Michigan Credit Union. The ongoing APR is Up to 36 months 5.24% - 14.09%; 37-48 months 5.24% - 14.09%; 49-60 months 5.24% - 14.09%; 61-72 months 5.24% - 15.09%; 73-84 months 6.24% - 16.34% (effective October 1, 2026). Loan terms: Flexible terms up to 84 months and no penalties for paying off your loan early.