Ranking · Q2 2026 call reports
Credit unions with the lowest new auto loan rates
Whatcom Educational Credit Union of Bellingham, Washington leads this list at 0.99%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest new auto rate reported on the call report, $25 million and up with at least $1 million of these loans. 2,931 credit unions qualify; the top 100 are below.
These are the rates credit unions reported on their call reports, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| # | Credit union | Location | New auto | Used auto | Auto loans | Assets |
|---|---|---|---|---|---|---|
| 1 | Whatcom Educational Credit Union | Bellingham, WA | 0.99% | 6.99% | $462M | $3.4B |
| 2 | Frontwave Credit Union | Oceanside, CA | 0.99% | 5.99% | $165M | $1.7B |
| 3 | Carter Federal Credit Union | Springhill, LA | 0.99% | 6.69% | $122M | $763M |
| 4 | Signal Financial Federal Credit Union | Kensington, MD | 1.70% | 2.24% | $13.4M | $364M |
| 5 | Niagara's Choice Federal Credit Union | Niagara Falls, NY | 1.74% | 4.70% | $53.3M | $265M |
| 6 | Complex Community Federal Credit Union | Odessa, TX | 1.90% | 4.95% | $253M | $818M |
| 7 | University Federal Credit Union | Austin, TX | 1.95% | 4.99% | $1.2B | $4.3B |
| 8 | Aspire Community Federal Credit Union | Minot, ND | 1.95% | 6.00% | $15.2M | $182M |
| 9 | Worcester Credit Union | Worcester, MA | 1.95% | 5.99% | $3.8M | $107M |
| 10 | Affinity First Federal Credit Union | Minot, ND | 1.95% | 6.00% | $10.6M | $70.8M |
| 11 | Pentagon Federal Credit Union | McLean, VA | 1.99% | 6.59% | $3.5B | $29.2B |
| 12 | Members Heritage Credit Union | Lexington, KY | 1.99% | 1.99% | $172M | $591M |
| 13 | Sag-Aftra Federal Credit Union | Burbank, CA | 1.99% | 6.49% | $29.8M | $336M |
| 14 | Alatrust Credit Union | Hoover, AL | 1.99% | 1.99% | $32.5M | $224M |
| 15 | Central Virginia Federal Credit Union | Lynchburg, VA | 1.99% | 5.98% | $35.8M | $198M |
| 16 | Telco Triad Community Credit Union | Sioux City, IA | 1.99% | 5.89% | $91.3M | $160M |
| 17 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | 1.99% | 1.99% | $19.0M | $134M |
| 18 | Bay Atlantic Federal Credit Union | Vineland, NJ | 1.99% | 4.99% | $11.2M | $97.1M |
| 19 | Affinity One Federal Credit Union | Jamestown, NY | 1.99% | 5.25% | $11.5M | $45.7M |
| 20 | N.j.t. Employees Federal Credit Union | Waldwick, NJ | 2.00% | 4.00% | $1.1M | $39.5M |
| 21 | Finger Lakes Federal Credit Union | Geneva, NY | 2.09% | 6.29% | $39.9M | $259M |
| 22 | Koin Credit Union | Brentwood, TN | 2.10% | 5.84% | $4.2M | $34.9M |
| 23 | Michigan Legacy Credit Union | Wyandotte, MI | 2.19% | 6.19% | $28.9M | $227M |
| 24 | Community First Guam Federal Credit Union | Hagatna, GU | 2.25% | 5.50% | $8.5M | $233M |
| 25 | Hurricane Creek Federal Credit Union | Benton, AR | 2.25% | 2.25% | $43.4M | $72.4M |
| 26 | Allegany First Federal Credit Union | Fillmore, NY | 2.33% | 5.16% | $4.6M | $27.1M |
| 27 | Self-Help Credit Union | Durham, NC | 2.49% | 9.75% | $35.5M | $2.2B |
| 28 | Cy-Fair Federal Credit Union | Houston, TX | 2.49% | 4.00% | $78.7M | $383M |
| 29 | First Priority Federal Credit Union | Huntington, WV | 2.49% | 2.99% | $18.9M | $74.8M |
| 30 | Suffolk Federal Credit Union | Medford, NY | 2.59% | 2.59% | $108M | $2.1B |
| 31 | Marine Credit Union | La Crosse, WI | 2.64% | 15.24% | $137M | $1.1B |
| 32 | Marin County Federal Credit Union | San Rafael, CA | 2.64% | 2.64% | $5.2M | $104M |
| 33 | Hudson River Community Federal Credit Union | Corinth, NY | 2.74% | 2.99% | $90.5M | $364M |
| 34 | Tru Federal Credit Union | Greenwood, SC | 2.75% | 3.75% | $21.1M | $63.4M |
| 35 | Four Points Federal Credit Union | Omaha, NE | 2.79% | 8.50% | $19.2M | $165M |
| 36 | CommunityAmerica Federal Credit Union | Lenexa, KS | 2.84% | 5.99% | $1.6B | $9.0B |
| 37 | Westchester Schools' Federal Credit Union | Rye Brook, NY | 2.90% | 4.70% | $11.8M | $40.6M |
| 38 | 2 Rivers Area Credit Union | Kankakee, IL | 2.90% | 4.50% | $14.3M | $27.7M |
| 39 | Quorum Federal Credit Union | Purchase, NY | 2.99% | 9.99% | $13.7M | $1.4B |
| 40 | Bayer Heritage Federal Credit Union | New Martinsville, WV | 2.99% | 5.74% | $242M | $801M |
| 41 | Caribe Federal Credit Union | San Juan, PR | 2.99% | 4.99% | $298M | $800M |
| 42 | Transportation Federal Credit Union | Alexandria, VA | 2.99% | 9.24% | $53.2M | $346M |
| 43 | Service One Credit Union | Bowling Green, KY | 2.99% | 6.34% | $33.4M | $269M |
| 44 | First American Credit Union | Casa Grande, AZ | 2.99% | 5.74% | $35.9M | $120M |
| 45 | Family Horizons Credit Union | Indianapolis, IN | 2.99% | 3.40% | $42.2M | $93.2M |
| 46 | Post Office CU of Md, Inc. Credit Union | Baltimore, MD | 2.99% | 2.99% | $20.9M | $28.2M |
| 47 | Norfolk Fire Department Federal Credit Union | Norfolk, VA | 2.99% | 6.25% | $4.1M | $26.8M |
| 48 | Inova Federal Credit Union | Elkhart, IN | 3.00% | 6.25% | $189M | $643M |
| 49 | Newport News Mun. Emp Credit Union | Newport News, VA | 3.00% | 7.99% | $13.9M | $54.4M |
| 50 | Helco Federal Credit Union | Hilo, HI | 3.00% | 4.00% | $3.4M | $46.5M |
| 51 | Credit Union 1 | Anchorage, AK | 3.05% | 9.99% | $536M | $1.7B |
| 52 | Aneca Federal Credit Union | Shreveport, LA | 3.08% | 5.00% | $26.0M | $274M |
| 53 | Mypoint Credit Union | San Diego, CA | 3.09% | 5.99% | $42.6M | $705M |
| 54 | Carolina Cooperative Federal Credit Union | Charlotte, NC | 3.10% | 6.38% | $16.0M | $46.3M |
| 55 | Butte Community Federal Credit Union | Butte, MT | 3.11% | 4.45% | $12.4M | $37.7M |
| 56 | Lokahi Federal Credit Union | Honolulu, HI | 3.24% | 12.00% | $29.9M | $702M |
| 57 | Citizens Federal Credit Union | Big Spring, TX | 3.24% | 6.50% | $131M | $202M |
| 58 | Peoples Advantage Federal Credit Union | Petersburg, VA | 3.24% | 18.00% | $21.4M | $115M |
| 59 | Vantage Point Federal Credit Union | Hopewell, VA | 3.24% | 4.24% | $8.3M | $45.0M |
| 60 | Reliance Credit Union | Kansas City, KS | 3.25% | 6.00% | $8.5M | $25.1M |
| 61 | Dupont Community Credit Union | Waynesboro, VA | 3.29% | 6.79% | $124M | $2.1B |
| 62 | Signet Federal Credit Union | Paducah, KY | 3.30% | 3.30% | $120M | $398M |
| 63 | Community South Credit Union | Chipley, FL | 3.39% | 7.50% | $47.9M | $245M |
| 64 | Erie County Employees Federal Credit Union | Buffalo, NY | 3.39% | 3.95% | $4.5M | $31.5M |
| 65 | Central Illinois Credit Union | Champaign, IL | 3.40% | 3.40% | $10.2M | $26.1M |
| 66 | Centra Credit Union | Columbus, IN | 3.49% | 5.34% | $351M | $2.4B |
| 67 | Credit Union of Georgia | Woodstock, GA | 3.49% | 3.99% | $165M | $766M |
| 68 | U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | 3.49% | 3.49% | $93.8M | $213M |
| 69 | Miami Postal Service Credit Union | Miami, FL | 3.49% | 3.74% | $59.0M | $184M |
| 70 | Lower Columbia Longshoremen Federal Credit Union | Longview, WA | 3.49% | 3.99% | $11.1M | $95.8M |
| 71 | Ark Valley Credit Union | Arkansas City, KS | 3.49% | 6.75% | $16.9M | $57.3M |
| 72 | U.p. Connection Federal Credit Union | Omaha, NE | 3.49% | 9.24% | $7.2M | $34.3M |
| 73 | Central Soya Federal Credit Union | Decatur, IN | 3.49% | 6.25% | $6.2M | $33.2M |
| 74 | Polish & Slavic Federal Credit Union | Brooklyn, NY | 3.50% | 4.50% | $200M | $2.7B |
| 75 | Deepwater Industries Federal Credit Union | Deepwater, NJ | 3.50% | 4.00% | $23.4M | $114M |
| 76 | Northridge Community Credit Union | Virginia, MN | 3.50% | 6.75% | $12.3M | $113M |
| 77 | Corner Post Federal Credit Union | Wilkes Barre, PA | 3.50% | 3.75% | $15.4M | $99.4M |
| 78 | Welcome Federal Credit Union | Morrisville, NC | 3.50% | 4.50% | $13.4M | $92.0M |
| 79 | edU Federal Credit Union | New Castle, DE | 3.50% | 4.50% | $12.5M | $44.2M |
| 80 | PFD Firefighters Credit Union Inc. | Portsmouth, VA | 3.50% | 6.50% | $15.9M | $34.4M |
| 81 | Power Co-Op Employees Credit Union | Humboldt, IA | 3.53% | 8.16% | $38.3M | $85.6M |
| 82 | North Towns Federal Credit Union | Clarence, NY | 3.53% | 7.27% | $6.0M | $51.7M |
| 83 | Bloomington Municipal Credit Union | Bloomington, IL | 3.59% | 4.39% | $11.2M | $45.7M |
| 84 | Education First Federal Credit Union | Beaumont, TX | 3.60% | 4.40% | $149M | $583M |
| 85 | Waterfront Federal Credit Union | Seattle, WA | 3.64% | 5.24% | $19.8M | $93.2M |
| 86 | Knoxville Law Enforcement Federal Credit Union | Knoxville, TN | 3.64% | 6.22% | $11.8M | $39.1M |
| 87 | High Point Federal Credit Union | Olean, NY | 3.65% | 3.65% | $97.8M | $430M |
| 88 | Hawaiian Electric Employees Federal Credit Union | Honolulu, HI | 3.67% | 3.77% | $4.8M | $37.1M |
| 89 | Delta Community Credit Union | Atlanta, GA | 3.69% | 3.69% | $1.8B | $9.1B |
| 90 | Western New York Federal Credit Union | West Seneca, NY | 3.69% | 4.15% | $25.2M | $92.6M |
| 91 | Blackhawk Area Credit Union | Savanna, IL | 3.70% | 4.55% | $14.9M | $39.1M |
| 92 | Usalliance Federal Credit Union | Rye, NY | 3.73% | 6.96% | $116M | $3.4B |
| 93 | Clarity Credit Union | Nampa, ID | 3.74% | 3.74% | $71.7M | $236M |
| 94 | Great Erie Federal Credit Union | Orchard Park, NY | 3.74% | 5.24% | $32.4M | $150M |
| 95 | Select Employees Credit Union | Sterling, IL | 3.74% | 3.49% | $29.1M | $78.6M |
| 96 | Aegis Credit Union | Clinton, IA | 3.74% | 3.74% | $17.0M | $27.3M |
| 97 | Idb Global Federal Credit Union | Washington, DC | 3.75% | 4.25% | $27.3M | $842M |
| 98 | Washington County Teachers Federal Credit Union | Hagerstown, MD | 3.75% | 3.75% | $16.1M | $96.5M |
| 99 | Lanier Federal Credit Union | Oakwood, GA | 3.75% | 3.99% | $42.5M | $71.6M |
| 100 | Atlantic City Electric Co Emp Federal Credit Union | Mays Landing, NJ | 3.75% | 5.00% | $14.3M | $62.5M |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. New auto loan rate: Interest rate the credit union reported for new vehicle loans on its call report. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
More rankings
- Credit unions with the lowest used auto loan rates Lowest used auto rate reported on the call report, $25 million and up with at least $1 million of these loans.
- Credit unions with the lowest credit card rates Lowest credit card rate reported on the call report, $25 million and up with at least $1 million of these loans.
- Credit unions with the lowest personal loan rates Lowest personal loan rate reported on the call report, $25 million and up with at least $1 million of these loans.
- Credit unions with the lowest first mortgage rates Lowest first mortgage rate reported on the call report, $25 million and up with at least $1 million of these loans.
- Credit unions with the lowest home equity rates Lowest home equity rate reported on the call report, $25 million and up with at least $1 million of these loans.
- The largest credit unions in the US Ranked by total assets.
- The credit unions with the most members Ranked by current members.
- The largest federally chartered credit unions Federal charters only, ranked by assets.