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

The median new auto loan rate Louisiana credit unions reported on their Q2 2026 call reports was 5.59%, and the median used auto rate was 7.00%. 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 Louisiana

Louisiana credit unions reported a median new auto loan rate of 5.59% 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, Carter Federal Credit Union reported the lowest, 0.99%.

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	Louisiana median	US median
New auto	5.59%	5.46%
Used auto	7.00%	6.32%
Credit card	9.99%	11.50%
Personal	11.55%	11.75%
Mortgage	5.41%	5.75%
Home equity	6.84%	6.75%

Lowest credit card rate reported in Louisiana: Cse Federal Credit Union, 2.99%. Lowest first mortgage rate: Cusa Federal Credit Union, 3.10%. (Same size rules as the national rankings.)

Every Louisiana credit union's reported rates

All 136 Louisiana 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
Barksdale Federal Credit Union	7.43%	8.67%	12.90%	11.46%	4.62%	6.48%
OnPath Federal Credit Union	7.06%	8.28%	12.88%	11.74%	5.24%	7.38%
Neighbors Federal Credit Union	5.59%	5.59%	10.99%	10.99%	5.50%	6.12%
Efcu Financial Federal Credit Union	6.99%	6.99%	11.00%	8.00%	6.00%	6.75%
Campus Federal Credit Union	6.39%	6.24%	13.25%	18.00%	5.88%	3.99%
Pelican Credit Union	7.90%	8.19%	13.60%	13.85%	6.20%	7.81%
La Capitol Federal Credit Union	5.90%	8.26%	12.00%	11.64%	4.49%	7.54%
Carter Federal Credit Union	0.99%	6.69%	8.80%	9.75%	6.75%	6.25%
Ouachita Valley Federal Credit Union	5.99%	5.99%	8.99%	9.99%	7.50%	7.80%
Baton Rouge Telco Federal Credit Union	6.33%	6.64%	8.23%	12.87%	4.31%	7.03%
Centric Federal Credit Union	6.72%	8.64%	11.73%	10.76%	5.85%	8.08%
Cse Federal Credit Union	6.92%	7.46%	2.99%	12.86%	5.44%	6.84%
Essential Credit Union	7.42%	7.86%	–	14.33%	5.01%	6.68%
Riverland Federal Credit Union	4.50%	5.38%	11.00%	7.95%	4.86%	7.38%
The New Orleans Firemen's Federal Credit Union	5.66%	7.07%	10.45%	11.84%	5.66%	8.20%
Aneca Federal Credit Union	3.08%	5.00%	8.42%	10.00%	5.75%	6.00%
Meritus Federal Credit Union	5.47%	7.16%	8.98%	13.02%	5.01%	7.00%
Bossier Federal Credit Union	6.40%	7.32%	9.80%	10.68%	3.44%	9.50%
Southwest Louisiana Credit Union	6.05%	9.78%	7.99%	13.48%	7.08%	6.81%
Jefferson Parish Employees Federal Credit Union	5.75%	6.83%	10.45%	13.19%	4.72%	6.62%
Wymar Federal Credit Union	4.74%	5.24%	9.99%	10.25%	5.63%	7.75%
Epic Federal Credit Union	3.79%	3.99%	6.99%	12.00%	4.75%	7.00%
Xplore Federal Credit Union	5.45%	6.49%	14.28%	11.82%	4.14%	7.79%
Heart of Louisiana Federal Credit Union	5.50%	6.84%	8.75%	10.52%	4.77%	6.81%
Kraftman Federal Credit Union	5.00%	6.00%	9.90%	8.90%	5.90%	–
Cenla Federal Credit Union	5.50%	5.50%	10.00%	10.00%	7.75%	6.30%
Eagle Louisiana Federal Credit Union	6.39%	5.49%	9.25%	11.95%	5.49%	–
Department of Corrections Credit Union	5.25%	5.25%	8.90%	16.42%	5.12%	–
Ascension Credit Union	6.16%	7.24%	17.99%	13.70%	5.87%	7.29%
Zellco Federal Credit Union	6.43%	7.54%	–	10.60%	5.55%	–
Formation Federal Credit Union	6.28%	7.06%	8.09%	10.68%	5.41%	7.09%
Wesla Federal Credit Union	4.79%	5.51%	12.90%	9.64%	4.32%	–
Bayou Federal Credit Union	6.21%	6.63%	12.25%	10.46%	4.43%	6.14%
Baton Rouge Fire Department Federal Credit Union	5.55%	6.93%	–	10.71%	4.89%	7.66%
Professional Fire Fighters Credit Union	4.99%	6.00%	–	10.65%	4.63%	–
Maple Federal Credit Union	4.09%	5.90%	7.90%	12.00%	–	–
GP Louisiana Federal Credit Union	6.24%	7.85%	11.04%	12.47%	6.59%	6.20%
Calcasieu Teachers and Employees Credit Union	4.03%	5.87%	–	10.00%	3.93%	7.00%
University of Louisiana Federal Credit Union	3.99%	6.59%	9.95%	9.95%	3.95%	8.75%
First Pioneers Federal Credit Union	5.09%	6.99%	10.75%	11.44%	4.90%	6.67%
First Street Federal Credit Union	5.75%	7.00%	–	9.50%	–	–
Post Office Employees Federal Credit Union	6.58%	8.91%	6.99%	13.55%	5.28%	7.67%
Baton Rouge City Parish Emp Federal Credit Union	4.99%	5.15%	9.90%	12.21%	3.75%	–
Post Office Employees' Credit Union	5.21%	5.91%	8.00%	9.20%	3.96%	6.35%
Total Choice Federal Credit Union	5.15%	6.17%	7.90%	14.19%	5.15%	5.75%
Instep Federal Credit Union	6.12%	7.80%	10.90%	9.47%	7.66%	7.37%
Sevenfold Federal Credit Union	5.07%	6.91%	11.43%	13.40%	7.40%	–
Breco Federal Credit Union	7.29%	7.49%	9.90%	12.24%	6.95%	6.95%
St. Tammany Federal Credit Union	5.74%	7.80%	10.00%	16.79%	–	–
Willis Knighton Federal Credit Union	6.75%	6.75%	9.90%	13.50%	6.70%	–
Les Federal Credit Union	5.14%	6.28%	11.15%	12.81%	5.45%	–
Geismar Complex Federal Credit Union	5.02%	5.27%	8.90%	11.02%	4.36%	6.41%
Access of Louisiana Federal Credit Union	7.25%	7.70%	–	9.20%	6.19%	6.40%
705 Federal Credit Union	6.04%	7.49%	7.90%	12.65%	3.35%	–
River Region Federal Credit Union	5.65%	6.15%	–	7.58%	6.14%	–
Valex Federal Credit Union	6.21%	7.31%	9.90%	11.00%	3.90%	5.90%
Uno Federal Credit Union	4.49%	4.49%	9.50%	15.00%	4.29%	7.25%
Noda Federal Credit Union	4.34%	6.41%	–	10.99%	4.17%	–
Tangipahoa Parish Teachers Credit Union	3.90%	7.90%	–	9.95%	6.75%	–
Alexandria Municipal Employees Credit Union	5.39%	6.00%	9.90%	11.29%	6.11%	6.30%
Beauregard School Employees Federal Credit Union	5.00%	6.25%	–	9.50%	–	–
Cusa Federal Credit Union	5.74%	6.05%	9.90%	9.90%	3.10%	9.50%
Southern Teachers & Parents Federal Credit Union	4.90%	4.90%	12.50%	18.00%	3.75%	–
Engage Federal Credit Union	6.16%	8.36%	13.40%	12.06%	–	–
Louisiana Catholic Federal Credit Union	6.07%	6.73%	11.23%	11.05%	5.84%	8.34%
La Terre Federal Credit Union	6.53%	6.82%	11.90%	10.44%	–	–
People's Credit Union	18.00%	18.00%	–	18.00%	8.00%	–
Internal Revenue Federal Credit Union	4.50%	5.50%	–	12.50%	5.00%	5.50%
Federal Employees Credit Union	4.75%	5.79%	–	12.39%	4.90%	–
Feliciana Federal Credit Union	6.12%	7.69%	11.76%	11.34%	8.46%	–
New Orleans Police Department Emp. Credit Union	–	–	–	15.00%	–	–
Acadian Federal Credit Union	4.65%	7.82%	9.20%	13.11%	5.22%	–
Calcasieu Parish Employees Federal Credit Union	5.28%	7.83%	–	11.07%	–	–
Bayou Community Federal Credit Union	5.69%	6.70%	16.99%	12.18%	5.86%	–
Caddo Parish Teachers Federal Credit Union	6.49%	13.75%	8.99%	10.50%	–	–
Fleur-de-Lis Federal Credit Union	5.51%	7.31%	12.90%	11.19%	8.18%	8.18%
St. Bernard Parish School Board Emp Federal Credit Union	3.50%	5.00%	–	12.00%	4.00%	6.00%
Barton Plant Employees Federal Credit Union	5.18%	6.11%	9.99%	12.86%	6.00%	–
Tulane/Loyola Federal Credit Union	4.49%	4.49%	11.90%	15.00%	4.00%	4.54%
Vermilion Employees Credit Union	3.18%	4.90%	7.00%	8.74%	–	–
Acadiana Medical Federal Credit Union	4.00%	4.00%	9.50%	10.00%	5.25%	5.25%
Rapides General Hospital Empl Federal Credit Union	5.02%	5.46%	–	10.69%	–	–
Livingston Parish Federal Credit Union	5.40%	7.20%	–	8.00%	6.00%	6.00%
3rd District Highway Federal Credit Union	5.25%	5.50%	–	10.50%	9.23%	–
Louisiana Central Credit Union	5.59%	12.99%	7.99%	17.99%	–	5.00%
District 08 Federal Credit Union	10.03%	10.55%	13.90%	12.14%	4.62%	7.25%
Iberville Federal Credit Union	9.00%	8.50%	–	15.00%	–	–
Shreveport Police Federal Credit Union	5.27%	6.20%	–	9.89%	–	–
Sewerage & Water Board Employees Federal Credit Union	4.99%	8.50%	–	12.50%	–	–
State Agencies Federal Credit Union	4.49%	5.49%	12.00%	9.99%	6.50%	–
New Orleans Clerk & Checkers Federal Credit Union	7.00%	9.50%	–	11.00%	6.75%	–
Pan Amoco Federal Credit Union	5.21%	7.26%	–	10.45%	–	5.89%
Alexandria T & P Federal Credit Union	4.68%	4.88%	–	9.58%	–	–
C-F La. Credit Union	5.27%	6.58%	–	10.87%	–	–
District 62 Highway Federal Credit Union	5.10%	7.63%	–	16.78%	–	–
Rapides Federal Credit Union	4.50%	10.50%	14.50%	8.00%	–	–
Louisiana Baptist Federal Credit Union	5.80%	6.62%	–	8.62%	–	–
District 58 Federal Credit Union	8.00%	9.00%	–	13.00%	–	–
Old Spanish Trail Credit Union	6.00%	7.00%	–	12.00%	–	–
Sabine School Employees Federal Credit Union	5.75%	6.25%	–	10.00%	–	–
Orleans Parish Sheriff's Credit Union	–	–	–	18.00%	–	–
P.h.i. Federal Credit Union	4.99%	4.99%	9.20%	10.00%	–	–
Morgan City Federal Credit Union	6.11%	8.21%	–	11.65%	–	–
East Baton Rouge Teachers Federal Credit Union	8.00%	9.00%	–	13.00%	–	–
Montell Federal Credit Union	8.00%	8.00%	–	8.50%	–	–
Davison Employees Federal Credit Union	6.94%	10.22%	–	7.54%	–	–
S H P E Federal Credit Union	7.53%	7.46%	–	10.81%	–	–
G. C. A. Federal Credit Union	5.00%	9.00%	–	10.00%	–	–
Louisiana Machinery Employees Federal Credit Union	5.75%	6.75%	–	9.99%	–	–
Coast Guard Employees Credit Union	3.60%	7.24%	–	14.99%	–	–
N.o. Port Commission Employees Credit Union	6.13%	8.32%	–	10.97%	–	7.50%
Electrical Workers Local 130 Federal Credit Union	5.97%	7.71%	–	11.19%	–	–
Concordia Parish School Emp Federal Credit Union	8.00%	9.00%	–	18.00%	–	–
Southeast Louisiana Veterans Health Federal Credit Union	9.50%	10.50%	–	16.00%	–	–
T E A Federal Credit Union	5.00%	8.00%	–	12.00%	–	–
W B R T Federal Credit Union	7.50%	14.50%	–	18.00%	–	–
Arabi Sugar Workers Federal Credit Union	5.00%	9.00%	–	15.00%	–	–
James Ward, Jr. Federal Credit Union	5.00%	7.00%	–	12.00%	6.90%	–
Xavier University Federal Credit Union	5.67%	5.87%	–	8.99%	–	–
Judicial & Justice Federal Credit Union	5.50%	6.50%	–	11.00%	–	–
Cabot Employees Credit Union	4.88%	6.48%	–	11.74%	–	–
Teamsters Local Union #270 Federal Credit Union	–	–	–	17.50%	–	–
G G W Federal Credit Union	7.00%	9.00%	–	15.00%	–	–
Fourth Ward Federal Credit Union	–	10.00%	–	15.00%	–	–
Washington Educational Assoc Federal Credit Union	5.22%	7.76%	–	13.43%	–	–
U B C Southern Council Industria Wo Federal Credit Union	11.49%	11.99%	–	13.96%	–	–
S T S P Federal Credit Union	9.23%	8.58%	–	12.31%	–	–
Municipal Employees Federal Credit Union	–	–	–	13.00%	–	–
Immaculate Heart of Mary Credit Union	4.00%	3.50%	–	10.00%	–	–
Richland Parish Schools Federal Credit Union	5.00%	–	–	16.00%	–	–
Union Federal Credit Union	–	8.00%	–	10.00%	–	–
Avenue Baptist Brotherhood Federal Credit Union	–	–	–	6.00%	–	–
St. Mary Parish School Emp. Federal Credit Union	–	–	–	18.00%	–	–
New Orleans Public Belt Railroad Federal Credit Union	7.00%	7.00%	–	15.00%	–	–
Cogic Credit Union	5.05%	12.00%	–	10.64%	–	–
Iberia Parish Federal Credit Union	–	–	–	18.00%	–	–

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 Louisiana credit unions · Lowest rates nationally