What is the typical credit union auto loan rate in Kentucky?

The median new auto loan rate Kentucky credit unions reported on their Q2 2026 call reports was 5.42%, and the median used auto rate was 6.27%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Kentucky

Kentucky credit unions reported a median new auto loan rate of 5.42% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Members Heritage Credit Union reported the lowest, 1.99%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Kentucky median	US median
New auto	5.42%	5.46%
Used auto	6.27%	6.32%
Credit card	10.90%	11.50%
Personal	12.00%	11.75%
Mortgage	6.00%	5.75%
Home equity	6.53%	6.75%

Lowest credit card rate reported in Kentucky: Members Heritage Credit Union, 7.99%. Lowest first mortgage rate: Northern Kentucky Federal Credit Union, 3.50%. (Same size rules as the national rankings.)

Every Kentucky credit union's reported rates

All 51 Kentucky credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Commonwealth Federal Credit Union	5.49%	5.74%	14.65%	11.49%	6.25%	5.75%
Abound Federal Credit Union	5.49%	5.99%	13.75%	11.99%	6.38%	6.50%
L & N Federal Credit Union	6.25%	7.68%	12.23%	12.47%	5.17%	7.07%
University of Kentucky Federal Credit Union	6.85%	6.89%	13.43%	7.84%	5.26%	6.78%
Park Federal Credit Union	7.99%	7.24%	17.99%	18.00%	6.00%	6.75%
Members Heritage Credit Union	1.99%	1.99%	7.99%	9.25%	5.75%	4.00%
Transcend Credit Union	5.39%	5.79%	8.90%	13.90%	6.75%	7.25%
Members Choice Credit Union	6.74%	6.74%	8.99%	13.49%	6.74%	9.00%
Ashland Credit Union	6.49%	7.18%	12.74%	12.68%	6.49%	6.00%
Signet Federal Credit Union	3.30%	3.30%	11.40%	8.70%	5.35%	6.75%
C-Plant Federal Credit Union	5.22%	5.99%	10.49%	9.42%	6.60%	7.22%
Class Act Federal Credit Union	4.49%	4.99%	12.75%	17.25%	6.25%	6.00%
Service One Credit Union	2.99%	6.34%	11.75%	5.99%	6.75%	6.75%
Autotruck Financial Credit Union	4.74%	5.24%	10.75%	9.99%	4.69%	6.75%
Advanz Federal Credit Union	5.74%	6.28%	11.53%	12.35%	4.98%	7.16%
The Health & Education Federal Credit Union	3.99%	3.99%	9.90%	11.90%	5.25%	6.50%
Expree Credit Union	6.88%	10.41%	10.28%	14.50%	5.31%	5.77%
Lake Chem Community Federal Credit Union	5.24%	5.91%	14.00%	9.98%	6.31%	–
Owensboro Federal Credit Union	4.50%	4.75%	14.88%	10.00%	5.00%	6.50%
Greater Kentucky Cu, Inc. Credit Union	5.83%	6.27%	0.44%	13.51%	4.63%	6.32%
Daviess County Teachers Federal Credit Union	6.75%	9.00%	9.00%	10.00%	6.75%	7.00%
Beacon Community Credit Union	5.37%	7.52%	10.82%	10.54%	3.62%	6.84%
Morehead Community Federal Credit Union	4.00%	4.50%	–	8.50%	6.50%	6.50%
Green River Area Federal Credit Union	5.63%	7.09%	–	10.55%	4.34%	6.35%
Kemba Louisville Credit Union	6.19%	7.73%	–	12.95%	6.39%	6.04%
Kue Federal Credit Union	4.88%	5.90%	9.90%	12.58%	5.75%	5.10%
Metro Plus Credit Union	7.79%	8.29%	10.40%	11.00%	6.50%	7.50%
Louisville Gas and Electric Company Credit Union	5.46%	5.80%	11.90%	12.59%	6.66%	6.25%
Northern Kentucky Federal Credit Union	5.25%	5.00%	8.99%	8.75%	3.50%	6.25%
Whitesville Community Credit Union	5.00%	5.75%	8.99%	10.00%	6.75%	6.75%
Louisville Federal Credit Union	4.69%	5.99%	–	24.00%	6.39%	6.94%
Audubon Federal Credit Union	5.57%	6.31%	10.90%	10.19%	3.71%	6.53%
Labor Management Federal Credit Union	6.50%	8.00%	7.99%	11.50%	6.75%	6.75%
Lexington Postal Community Credit Union	4.75%	4.75%	8.75%	10.00%	–	6.50%
Your Hometown Federal Credit Union	4.76%	6.07%	14.90%	10.63%	5.20%	7.00%
Main Impact Federal Credit Union	4.39%	5.88%	–	12.95%	–	4.89%
K I T Federal Credit Union	17.24%	6.99%	10.90%	17.30%	3.25%	6.75%
Arh Federal Credit Union	6.99%	8.99%	–	13.00%	5.25%	5.75%
Old Kentucky Home Federal Credit Union	4.50%	5.00%	12.90%	10.99%	4.50%	7.50%
W B H Employees Federal Credit Union	5.00%	7.40%	–	13.00%	6.00%	–
Brown-Forman Employees Credit Union	4.50%	5.50%	–	12.50%	–	6.50%
Bluegrass Community Federal Credit Union	7.74%	7.34%	–	15.04%	5.24%	6.24%
Kraftcor Federal Credit Union	5.50%	6.50%	9.90%	11.25%	8.50%	8.50%
Doe Run Federal Credit Union	12.49%	13.49%	10.99%	14.00%	8.00%	–
Regional Medical Ctr Hopkins Co Emp Federal Credit Union	5.50%	6.00%	–	14.00%	–	6.75%
F.c.i. Ashland Federal Credit Union	5.49%	7.49%	–	13.99%	–	–
MSD Federal Credit Union	4.75%	6.50%	–	12.00%	–	–
Shawnee TVA Employees Federal Credit Union	4.99%	4.99%	–	12.00%	6.50%	6.50%
Corning Glass Works Harrodsbg Federal Credit Union	5.75%	6.75%	–	13.50%	–	–
Tayco Employees Federal Credit Union	5.00%	6.00%	–	9.00%	–	–
Young Community Federal Credit Union	–	10.97%	–	13.24%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Kentucky credit unions · Lowest rates nationally