Loan rates on the call report · Q2 2026 call reports
Credit union new auto loan rate
Interest rate the credit union reported for new vehicle loans on its call report. The median across all 4,137 credit unions reporting it was 5.46% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 4.96% to 6.05% (median 5.49%).
Why it matters
This is the interest rate each credit union reported for new vehicle loans. It is not an offer, but it shows who prices auto loans low.
How it is calculated
The new vehicle loan interest rate entered on the call report (filed as percent times 100), shown only for credit unions that hold new vehicle loans.
NCUA 5300 call report accounts: ACCT_523 (interest rate, new vehicle loans) · ACCT_385 (new vehicle loans). Methodology
How credit unions are spread
By NCUA peer group
| Assets | Count | 25th pct | Median | 75th pct |
|---|---|---|---|---|
| Under $2 million in assets | 117 | 4.22% | 5.00% | 6.40% |
| $2 million to $10 million | 503 | 4.68% | 5.33% | 6.19% |
| $10 million to $50 million | 1,126 | 4.75% | 5.25% | 6.00% |
| $50 million to $100 million | 571 | 4.79% | 5.29% | 5.96% |
| $100 million to $500 million | 1,061 | 4.99% | 5.50% | 6.13% |
| $500 million and up | 759 | 4.99% | 5.50% | 6.09% |
Lowest new auto loan rate
Using the rules of the national ranking. See the top 100.
- Whatcom Educational Credit Union Bellingham, WA 0.99%
- Frontwave Credit Union Oceanside, CA 0.99%
- Carter Federal Credit Union Springhill, LA 0.99%
- Signal Financial Federal Credit Union Kensington, MD 1.70%
- Niagara's Choice Federal Credit Union Niagara Falls, NY 1.74%
- Complex Community Federal Credit Union Odessa, TX 1.90%
- University Federal Credit Union Austin, TX 1.95%
- Aspire Community Federal Credit Union Minot, ND 1.95%
- Worcester Credit Union Worcester, MA 1.95%
- Affinity First Federal Credit Union Minot, ND 1.95%
Highest new auto loan rate
- Ferguson Federal Credit Union Monticello, MS 17.49%
- Credit Union of Richmond Incorporat Richmond, VA 14.74%
- Loco Credit Union Alamogordo, NM 14.50%
- Credit Union of Colorado, A Denver, CO 14.30%
- The Local Federal Credit Union Dallas, TX 12.50%
- Brewster Federal Credit Union Brewster, OH 11.50%
- Trinity Valley Teachers Credit Union Palestine, TX 11.00%
- Estacado Federal Credit Union Hobbs, NM 10.99%
- Sycamore Federal Credit Union Sycamore, AL 10.82%
- Madison County Federal Credit Union Anderson, IN 10.66%
Median by state
Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.
| State | Median | Count |
|---|---|---|
| Rhode Island | 4.99% | 11 |
| Connecticut | 5.00% | 44 |
| Illinois | 5.00% | 93 |
| Wisconsin | 5.00% | 78 |
| New Hampshire | 5.06% | 11 |
| Maryland | 5.06% | 46 |
| Georgia | 5.10% | 41 |
| Nebraska | 5.10% | 31 |
| District of Columbia | 5.13% | 18 |
| New York | 5.13% | 168 |
| New Jersey | 5.20% | 58 |
| Utah | 5.24% | 36 |
| Puerto Rico | 5.24% | 3 |
| Virginia | 5.26% | 67 |
| Massachusetts | 5.32% | 87 |
| Nevada | 5.35% | 13 |
| Kentucky | 5.39% | 35 |
| Mississippi | 5.39% | 25 |
| North Carolina | 5.41% | 45 |
| Wyoming | 5.43% | 16 |
| Florida | 5.45% | 93 |
| California | 5.48% | 209 |
| Colorado | 5.49% | 51 |
| Minnesota | 5.49% | 59 |
| Oregon | 5.49% | 42 |
| Pennsylvania | 5.49% | 158 |
| South Dakota | 5.49% | 23 |
| Iowa | 5.50% | 48 |
| North Dakota | 5.50% | 20 |
| Maine | 5.50% | 46 |
| Tennessee | 5.51% | 87 |
| Montana | 5.52% | 29 |
| Michigan | 5.55% | 155 |
| Texas | 5.56% | 239 |
| Kansas | 5.60% | 37 |
| South Carolina | 5.60% | 35 |
| New Mexico | 5.61% | 27 |
| Ohio | 5.62% | 134 |
| West Virginia | 5.63% | 38 |
| Indiana | 5.64% | 89 |
| Missouri | 5.64% | 53 |
| Idaho | 5.64% | 22 |
| Louisiana | 5.70% | 66 |
| Oklahoma | 5.74% | 39 |
| Washington | 5.74% | 64 |
| Hawaii | 5.75% | 39 |
| Alabama | 5.90% | 56 |
| Arkansas | 5.92% | 20 |
| Delaware | 6.13% | 10 |
| Arizona | 6.16% | 27 |
| Vermont | 6.18% | 8 |
| Alaska | 6.25% | 7 |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.
Questions people ask
What is the average credit union new auto loan rate?
The median across 4,137 credit unions was 5.46% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 4.96% to 6.05%.
Is a higher new auto loan rate better?
No. For new auto loan rate, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.
How is new auto loan rate calculated?
The new vehicle loan interest rate entered on the call report (filed as percent times 100), shown only for credit unions that hold new vehicle loans. Source accounts on NCUA's 5300 call report: ACCT_523 (interest rate, new vehicle loans); ACCT_385 (new vehicle loans).
Which credit union has the lowest new auto loan rate?
Whatcom Educational Credit Union of Bellingham, WA, at 0.99% in Q2 2026, under the rules of the national ranking.