Ranking · Q2 2026 call reports
Credit unions with the lowest used auto loan rates
Members Heritage Credit Union of Lexington, Kentucky leads this list at 1.99%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest used 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 | Used auto | New auto | Auto loans | Assets |
|---|---|---|---|---|---|---|
| 1 | Members Heritage Credit Union | Lexington, KY | 1.99% | 1.99% | $172M | $591M |
| 2 | Alatrust Credit Union | Hoover, AL | 1.99% | 1.99% | $32.5M | $224M |
| 3 | Broward Healthcare Federal Credit Union | Fort Lauderdale, FL | 1.99% | 1.99% | $19.0M | $134M |
| 4 | Signal Financial Federal Credit Union | Kensington, MD | 2.24% | 1.70% | $13.4M | $364M |
| 5 | Hurricane Creek Federal Credit Union | Benton, AR | 2.25% | 2.25% | $43.4M | $72.4M |
| 6 | Suffolk Federal Credit Union | Medford, NY | 2.59% | 2.59% | $108M | $2.1B |
| 7 | Marin County Federal Credit Union | San Rafael, CA | 2.64% | 2.64% | $5.2M | $104M |
| 8 | University of Hawaii Federal Credit Union | Honolulu, HI | 2.99% | 5.75% | $17.8M | $976M |
| 9 | National Police Federal Credit Union | Chicago, IL | 2.99% | 3.99% | $129M | $621M |
| 10 | Hudson River Community Federal Credit Union | Corinth, NY | 2.99% | 2.74% | $90.5M | $364M |
| 11 | First Priority Federal Credit Union | Huntington, WV | 2.99% | 2.49% | $18.9M | $74.8M |
| 12 | Post Office CU of Md, Inc. Credit Union | Baltimore, MD | 2.99% | 2.99% | $20.9M | $28.2M |
| 13 | Signet Federal Credit Union | Paducah, KY | 3.30% | 3.30% | $120M | $398M |
| 14 | Air Academy Federal Credit Union | Colorado Springs, CO | 3.39% | 5.99% | $135M | $810M |
| 15 | Family Horizons Credit Union | Indianapolis, IN | 3.40% | 2.99% | $42.2M | $93.2M |
| 16 | Central Illinois Credit Union | Champaign, IL | 3.40% | 3.40% | $10.2M | $26.1M |
| 17 | Del Norte Credit Union | Los Alamos, NM | 3.49% | 7.89% | $514M | $1.5B |
| 18 | U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | 3.49% | 3.49% | $93.8M | $213M |
| 19 | Select Employees Credit Union | Sterling, IL | 3.49% | 3.74% | $29.1M | $78.6M |
| 20 | Fox Federal Credit Union | Los Angeles, CA | 3.49% | 7.04% | $1.8M | $36.6M |
| 21 | I. H. Mississippi Valley Credit Union | Moline, IL | 3.50% | 6.39% | $937M | $2.3B |
| 22 | High Point Federal Credit Union | Olean, NY | 3.65% | 3.65% | $97.8M | $430M |
| 23 | Delta Community Credit Union | Atlanta, GA | 3.69% | 3.69% | $1.8B | $9.1B |
| 24 | Clarity Credit Union | Nampa, ID | 3.74% | 3.74% | $71.7M | $236M |
| 25 | Miami Postal Service Credit Union | Miami, FL | 3.74% | 3.49% | $59.0M | $184M |
| 26 | Aegis Credit Union | Clinton, IA | 3.74% | 3.74% | $17.0M | $27.3M |
| 27 | Corner Post Federal Credit Union | Wilkes Barre, PA | 3.75% | 3.50% | $15.4M | $99.4M |
| 28 | Washington County Teachers Federal Credit Union | Hagerstown, MD | 3.75% | 3.75% | $16.1M | $96.5M |
| 29 | Tru Federal Credit Union | Greenwood, SC | 3.75% | 2.75% | $21.1M | $63.4M |
| 30 | Bay Shore Credit Union | Marinette, WI | 3.75% | 3.75% | $12.5M | $48.2M |
| 31 | Hawaiian Electric Employees Federal Credit Union | Honolulu, HI | 3.77% | 3.67% | $4.8M | $37.1M |
| 32 | Sierra Pacific Federal Credit Union | Reno, NV | 3.79% | 3.79% | $58.8M | $189M |
| 33 | Gsa Federal Credit Union | Washington, DC | 3.84% | 3.84% | $7.3M | $37.9M |
| 34 | Membersown Credit Union | Lincoln, NE | 3.85% | 3.85% | $39.2M | $109M |
| 35 | Crow Wing Power Credit Union | Brainerd, MN | 3.89% | 3.89% | $23.0M | $126M |
| 36 | Beacon Credit Union | Wabash, IN | 3.90% | 4.30% | $49.1M | $1.8B |
| 37 | VA Desert Pacific Federal Credit Union | Long Beach, CA | 3.90% | 3.90% | $19.8M | $98.8M |
| 38 | Civic Federal Credit Union | Raleigh, NC | 3.95% | 5.25% | $299M | $3.1B |
| 39 | Erie County Employees Federal Credit Union | Buffalo, NY | 3.95% | 3.39% | $4.5M | $31.5M |
| 40 | Arkansas Federal Credit Union | Little Rock, AR | 3.99% | 5.99% | $1.3B | $3.2B |
| 41 | Atlantic Regional Federal Credit Union | South Portland, ME | 3.99% | 3.99% | $155M | $1.1B |
| 42 | Credit Union of Georgia | Woodstock, GA | 3.99% | 3.49% | $165M | $766M |
| 43 | Coosa Valley Credit Union | Rome, GA | 3.99% | 3.99% | $340M | $766M |
| 44 | Apl Federal Credit Union | Laurel, MD | 3.99% | 3.99% | $225M | $724M |
| 45 | University Credit Union | Orono, ME | 3.99% | 4.99% | $76.7M | $538M |
| 46 | Unison Credit Union | Kaukauna, WI | 3.99% | 3.99% | $45.3M | $394M |
| 47 | Arsenal Credit Union | Arnold, MO | 3.99% | 4.99% | $93.3M | $387M |
| 48 | New Horizons Credit Union | Mobile, AL | 3.99% | 5.99% | $80.5M | $304M |
| 49 | Weststar Credit Union | Las Vegas, NV | 3.99% | 3.99% | $67.6M | $273M |
| 50 | Michigan One Community Credit Union | Ionia, MI | 3.99% | 3.99% | $72.3M | $240M |
| 51 | University Credit Union | Miami, FL | 3.99% | 3.99% | $8.4M | $229M |
| 52 | Greenville Heritage Federal Credit Union | Greenville, SC | 3.99% | 3.99% | $36.0M | $181M |
| 53 | Excel Federal Credit Union | Norcross, GA | 3.99% | 3.99% | $24.1M | $174M |
| 54 | Epic Federal Credit Union | Metairie, LA | 3.99% | 3.79% | $58.1M | $164M |
| 55 | Trius Federal Credit Union | Kearney, NE | 3.99% | 3.99% | $62.2M | $152M |
| 56 | Allied Federal Credit Union | Arlington, TX | 3.99% | 3.89% | $32.4M | $138M |
| 57 | Oakdale Credit Union | Oakdale, WI | 3.99% | 3.99% | $35.8M | $132M |
| 58 | Russell Country Federal Credit Union | Great Falls, MT | 3.99% | 3.99% | $56.1M | $131M |
| 59 | The Health & Education Federal Credit Union | Lexington, KY | 3.99% | 3.99% | $17.6M | $126M |
| 60 | Santa Ana Federal Credit Union | Santa Ana, CA | 3.99% | 3.99% | $15.3M | $112M |
| 61 | Lower Columbia Longshoremen Federal Credit Union | Longview, WA | 3.99% | 3.49% | $11.1M | $95.8M |
| 62 | Front Royal Federal Credit Union | Front Royal, VA | 3.99% | 3.99% | $6.8M | $87.4M |
| 63 | Valley Oak Credit Union | Three Rivers, CA | 3.99% | 3.99% | $24.8M | $82.2M |
| 64 | Lanier Federal Credit Union | Oakwood, GA | 3.99% | 3.75% | $42.5M | $71.6M |
| 65 | Summit Federal Credit Union | Akron, OH | 3.99% | 3.99% | $11.8M | $59.2M |
| 66 | Lakeshore Federal Credit Union | Muskegon, MI | 3.99% | 3.99% | $4.7M | $45.2M |
| 67 | Tri-County Credit Union | Marinette, WI | 3.99% | 3.75% | $14.4M | $43.3M |
| 68 | None Suffer Lack Federal Credit Union | Suitland, MD | 3.99% | 3.99% | $1.1M | $27.9M |
| 69 | Beverly Municipal Federal Credit Union | Beverly, MA | 3.99% | 3.99% | $3.9M | $25.8M |
| 70 | Cy-Fair Federal Credit Union | Houston, TX | 4.00% | 2.49% | $78.7M | $383M |
| 71 | Deepwater Industries Federal Credit Union | Deepwater, NJ | 4.00% | 3.50% | $23.4M | $114M |
| 72 | Central Jersey Federal Credit Union | Woodbridge, NJ | 4.00% | 4.00% | $9.5M | $93.2M |
| 73 | Select Seven Federal Credit Union | Johnson City, TN | 4.00% | 4.00% | $22.9M | $62.4M |
| 74 | Helco Federal Credit Union | Hilo, HI | 4.00% | 3.00% | $3.4M | $46.5M |
| 75 | N.j.t. Employees Federal Credit Union | Waldwick, NJ | 4.00% | 2.00% | $1.1M | $39.5M |
| 76 | Greater Woodlawn Federal Credit Union | Blasdell, NY | 4.05% | 4.05% | $9.4M | $168M |
| 77 | Citizens Equity First Credit Union | Peoria, IL | 4.14% | 3.99% | $2.4B | $8.5B |
| 78 | Western New York Federal Credit Union | West Seneca, NY | 4.15% | 3.69% | $25.2M | $92.6M |
| 79 | Brazos Valley Schools Credit Union | Katy, TX | 4.24% | 4.24% | $157M | $1.0B |
| 80 | Atomic Credit Union | Piketon, OH | 4.24% | 4.24% | $301M | $855M |
| 81 | National Institutes of Health Federal Credit Union | Rockville, MD | 4.24% | 3.99% | $35.6M | $817M |
| 82 | cPort Credit Union | Portland, ME | 4.24% | 4.74% | $60.0M | $435M |
| 83 | Crossroads Community Federal Credit Union | Cheektowaga, NY | 4.24% | 4.32% | $7.2M | $96.9M |
| 84 | Evergreen Credit Union | Neenah, WI | 4.24% | 4.24% | $10.5M | $65.3M |
| 85 | Badger-Globe Credit Union | Neenah, WI | 4.24% | 4.24% | $7.4M | $51.6M |
| 86 | Vantage Point Federal Credit Union | Hopewell, VA | 4.24% | 3.24% | $8.3M | $45.0M |
| 87 | Philadelphia Federal Credit Union | Philadelphia, PA | 4.25% | 3.77% | $135M | $2.0B |
| 88 | Idb Global Federal Credit Union | Washington, DC | 4.25% | 3.75% | $27.3M | $842M |
| 89 | Copper State Credit Union | Phoenix, AZ | 4.25% | 5.50% | $96.1M | $701M |
| 90 | Healthcare Associates Credit Union | Lisle, IL | 4.25% | 4.25% | $126M | $482M |
| 91 | MTC Federal Credit Union | Greenville, SC | 4.25% | 4.25% | $67.2M | $303M |
| 92 | TCT Federal Credit Union | Ballston Spa, NY | 4.25% | 4.25% | $52.4M | $296M |
| 93 | Iron Mountain Kingsford Community Federal Credit Union | Kingsford, MI | 4.25% | 4.25% | $12.8M | $149M |
| 94 | Dynamic Federal Credit Union | Celina, OH | 4.25% | 4.25% | $20.8M | $83.4M |
| 95 | Matagorda County Credit Union | Bay City, TX | 4.25% | 4.25% | $9.9M | $36.2M |
| 96 | Center City Community Credit Union | Buena Park, CA | 4.25% | 4.25% | $8.3M | $26.2M |
| 97 | St. Paul Federal Credit Union | Saint Paul, MN | 4.29% | 4.29% | $98.2M | $252M |
| 98 | Trademark Federal Credit Union | Augusta, ME | 4.29% | 4.19% | $39.1M | $132M |
| 99 | Luso-American Credit Union | Peabody, MA | 4.29% | 4.25% | $3.1M | $123M |
| 100 | CSD Credit Union | Kansas City, MO | 4.30% | 4.30% | $16.8M | $90.5M |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Used auto loan rate: Interest rate reported for used vehicle loans. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
More rankings
- Credit unions with the lowest new auto loan rates Lowest new 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.
Questions people ask
How is this list ranked?
Lowest used auto rate reported on the call report, $25 million and up with at least $1 million of these loans. Interest rate reported for used vehicle loans. Only credit unions with at least $25.0 million in assets are included, so a very small credit union with a handful of loans cannot top the list. Ties go to the larger credit union. Figures come from each credit union's NCUA 5300 call report for Q2 2026 (quarter ended June 30, 2026).
Is this the rate I would be offered?
No. It is the rate the credit union reported to NCUA for that loan category on its Q2 2026 call report. The rate you are offered depends on your credit, the term, the collateral and the date. Check the credit union's own rate sheet, and check that you are eligible to join.
Can I see more than 100, or filter by state?
Yes. The free screener lists all 2,931 credit unions that qualify for this list, filters by state, size and charter, and downloads as CSV.