Credit Union Ledger
Menu

Loan rates on the call report · Q2 2026 call reports

Credit union used auto loan rate

Interest rate reported for used vehicle loans. The median across all 4,178 credit unions reporting it was 6.32% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 5.49% to 7.14% (median 6.24%).

Why it matters

This is the rate each credit union reported for used vehicle loans, usually higher than its new car rate.

How it is calculated

The used vehicle loan interest rate entered on the call report, shown only for credit unions that hold used vehicle loans.

NCUA 5300 call report accounts: ACCT_524 (interest rate, used vehicle loans) · ACCT_370 (used vehicle loans). Methodology

How credit unions are spread

Distribution of used auto loan rate, Q2 2026 2,960 credit unions with $25.0 million or more in assets. Middle half from 5.49% to 7.14%, median 6.24%. 3.76% median 6.24% 10.99%
2,960 credit unions with $25.0 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (59 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets1505.90%7.00%9.00%
$2 million to $10 million5085.86%6.72%8.09%
$10 million to $50 million1,1295.50%6.41%7.43%
$50 million to $100 million5715.49%6.19%7.15%
$100 million to $500 million1,0615.49%6.28%7.23%
$500 million and up7595.34%5.99%6.99%

Lowest used auto loan rate

Using the rules of the national ranking. See the top 100.

  1. Members Heritage Credit Union Lexington, KY 1.99%
  2. Alatrust Credit Union Hoover, AL 1.99%
  3. Broward Healthcare Federal Credit Union Fort Lauderdale, FL 1.99%
  4. Signal Financial Federal Credit Union Kensington, MD 2.24%
  5. Hurricane Creek Federal Credit Union Benton, AR 2.25%
  6. Suffolk Federal Credit Union Medford, NY 2.59%
  7. Marin County Federal Credit Union San Rafael, CA 2.64%
  8. University of Hawaii Federal Credit Union Honolulu, HI 2.99%
  9. National Police Federal Credit Union Chicago, IL 2.99%
  10. Hudson River Community Federal Credit Union Corinth, NY 2.99%

Highest used auto loan rate

  1. Peoples Advantage Federal Credit Union Petersburg, VA 18.00%
  2. Ohio Valley Community Federal Credit Union Clarington, OH 18.00%
  3. Southern Chautauqua Federal Credit Union Lakewood, NY 17.99%
  4. Ferguson Federal Credit Union Monticello, MS 17.49%
  5. Gulf Coast Community Federal Credit Union Gulfport, MS 16.99%
  6. Marine Credit Union La Crosse, WI 15.24%
  7. Magnolia Federal Credit Union Jackson, MS 14.95%
  8. Brewster Federal Credit Union Brewster, OH 14.45%
  9. Dallas U.p. Employees Credit Union Dallas, TX 14.00%
  10. Jackson Area Federal Credit Union Jackson, MS 14.00%

Median by state

Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.

StateMedianCount
Maryland5.50%46
Utah5.50%36
District of Columbia5.62%18
Illinois5.77%93
Wisconsin5.77%78
Massachusetts5.97%87
California5.99%209
Connecticut5.99%44
Florida5.99%93
Kentucky5.99%35
Maine5.99%46
Minnesota5.99%59
New Jersey6.00%58
Rhode Island6.00%11
New Hampshire6.01%11
Nevada6.03%13
Oregon6.04%42
South Dakota6.05%23
Texas6.08%239
New York6.13%168
Georgia6.14%41
North Carolina6.16%45
Pennsylvania6.21%158
Hawaii6.24%39
Michigan6.25%155
Wyoming6.28%16
Puerto Rico6.31%3
North Dakota6.36%20
West Virginia6.38%38
Colorado6.42%51
Ohio6.45%134
Indiana6.49%89
Montana6.49%29
Tennessee6.50%87
Virginia6.50%67
Idaho6.51%22
Washington6.52%64
Oklahoma6.53%39
Alabama6.56%56
South Carolina6.60%35
Delaware6.69%10
Arizona6.72%27
Nebraska6.72%31
Missouri6.73%53
Louisiana6.74%66
Kansas6.84%37
New Mexico6.90%27
Iowa6.92%48
Vermont7.00%8
Mississippi7.46%25
Alaska7.61%7
Arkansas7.65%20

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 used auto loan rate?

The median across 4,178 credit unions was 6.32% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 5.49% to 7.14%.

Is a higher used auto loan rate better?

No. For used 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 used auto loan rate calculated?

The used vehicle loan interest rate entered on the call report, shown only for credit unions that hold used vehicle loans. Source accounts on NCUA's 5300 call report: ACCT_524 (interest rate, used vehicle loans); ACCT_370 (used vehicle loans).

Which credit union has the lowest used auto loan rate?

Members Heritage Credit Union of Lexington, KY, at 1.99% in Q2 2026, under the rules of the national ranking.