Q2 2026 call reports
Credit union loan rates in Ohio
Ohio credit unions reported a median new auto loan rate of 5.49% 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, Universal 1 Credit Union reported the lowest, 3.99%.
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 | Ohio median | US median |
|---|---|---|
| New auto | 5.49% | 5.46% |
| Used auto | 6.50% | 6.32% |
| Credit card | 11.69% | 11.50% |
| Personal | 12.00% | 11.75% |
| Mortgage | 5.50% | 5.75% |
| Home equity | 6.90% | 6.75% |
Lowest credit card rate reported in Ohio: Christian Family Credit Union, 6.90%. Lowest first mortgage rate: Emerald Credit Union, Inc., 2.56%. (Same size rules as the national rankings.)
Every Ohio credit union's reported rates
The 150 largest of 191 Ohio 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 |
|---|---|---|---|---|---|---|
| Wright-Patt Credit Union, Inc. | 5.99% | 6.49% | 15.75% | 17.00% | 2.75% | 6.75% |
| General Electric Credit Union | 6.54% | 7.35% | 8.51% | 12.61% | 4.28% | 6.58% |
| Kemba Financial Credit Union | 5.24% | 6.49% | 11.49% | 10.24% | 5.88% | 7.74% |
| Seven Seventeen Credit Union | 5.99% | 5.99% | 8.99% | 8.25% | 6.50% | 6.25% |
| Superior Credit Union, Inc | 5.75% | 6.25% | 13.00% | 15.50% | 6.00% | 6.50% |
| Kemba Credit Union | 5.99% | 6.59% | 9.90% | 13.90% | 6.13% | 8.50% |
| Directions Credit Union | 5.49% | 5.49% | 9.99% | 11.80% | 6.75% | 6.25% |
| Telhio Credit Union | 4.91% | 6.23% | – | 11.80% | 4.53% | 7.77% |
| Day Air Credit Union | 5.20% | 5.65% | 12.75% | 11.79% | 6.50% | 7.74% |
| Cinfed Federal Credit Union | 5.49% | 6.24% | 14.40% | 12.99% | 6.25% | 6.50% |
| Atomic Credit Union | 4.24% | 4.24% | 12.75% | 9.99% | 6.63% | 6.75% |
| Dover-Phila Federal Credit Union | 5.25% | 6.50% | – | 12.00% | 4.45% | 7.10% |
| Pathways Financial Credit Union | 6.00% | 6.75% | 12.99% | 10.95% | 5.00% | 5.75% |
| BMI Federal Credit Union | 6.09% | 6.24% | 11.39% | 12.51% | 4.39% | 7.13% |
| Sharefax Credit Union | 5.84% | 6.64% | 11.25% | 10.25% | 5.88% | 7.75% |
| Sun Federal Credit Union | 5.24% | 5.74% | 15.99% | 11.24% | 5.88% | 7.00% |
| Homeland Credit Union | 5.77% | 7.99% | 10.53% | 14.29% | 4.62% | 7.16% |
| Firelands Federal Credit Union | 5.89% | 6.24% | 12.65% | 13.49% | 6.40% | 8.00% |
| Desco Federal Credit Union | 5.49% | 5.49% | 12.74% | 11.99% | 6.50% | 7.50% |
| Oucu Financial Credit Union, Inc. | 5.99% | 6.24% | 15.74% | 10.99% | 6.25% | 7.50% |
| River Valley Credit Union | 6.05% | 6.87% | 11.92% | 13.46% | 4.31% | 6.65% |
| Cme Federal Credit Union | 6.00% | 6.50% | 10.70% | 12.25% | 4.76% | 7.25% |
| Century Federal Credit Union | 5.48% | 5.78% | 10.75% | 8.75% | 6.28% | 6.25% |
| Canton School Employees Federal Credit Union | 5.37% | 6.78% | 9.95% | 14.24% | 4.99% | 8.88% |
| Universal 1 Credit Union | 3.99% | 4.99% | 10.99% | 9.94% | 6.75% | 6.75% |
| Fremont Federal Credit Union | 6.50% | 7.25% | 13.45% | 11.25% | 6.13% | 6.75% |
| Cardinal Credit Union, Inc. | 4.99% | 5.24% | 11.99% | 10.99% | 2.59% | 6.15% |
| Ih Credit Union, Inc. | 7.37% | 8.84% | 13.03% | 14.94% | 5.02% | 7.08% |
| Firefighters Community CU | 5.65% | 6.91% | 10.71% | 11.26% | 4.47% | 6.09% |
| Pse Credit Union, Inc. | 4.95% | 5.25% | 9.99% | 18.00% | 4.70% | 7.00% |
| Myusa Credit Union | 6.58% | 7.45% | 12.75% | 11.50% | 7.25% | 7.25% |
| Genfed Financial Credit Union | 6.99% | 6.99% | 15.75% | 14.08% | 6.24% | 6.75% |
| Vacationland Federal Credit Union | 6.86% | 7.99% | 13.51% | 14.08% | 4.77% | 7.25% |
| Glass City Federal Credit Union | 5.24% | 5.24% | 10.99% | 10.74% | 6.50% | 6.75% |
| Oc Federal Credit Union | 5.81% | 6.22% | 10.95% | 14.02% | 5.02% | 7.41% |
| Lormet Community Federal Credit Union | 5.99% | 6.25% | 12.25% | 7.99% | 3.60% | 6.25% |
| Midwest Community Federal Credit Union | 4.99% | 6.49% | 14.75% | 9.99% | 6.50% | 7.75% |
| Bridge Credit Union | 6.06% | 7.19% | 11.63% | 13.56% | 5.49% | 6.94% |
| TrueCore Federal Credit Union | 5.51% | 6.88% | 10.43% | 11.05% | 4.46% | 9.70% |
| C E S Credit Union | 5.49% | 4.99% | 10.99% | 10.49% | 7.00% | 7.00% |
| Ohio Valley Community Federal Credit Union | 6.00% | 18.00% | 16.50% | 18.00% | 4.50% | 6.83% |
| Quest Federal Credit Union | 5.95% | 8.75% | 9.90% | 10.25% | 6.58% | 6.58% |
| First Service Federal Credit Union | 5.99% | 6.99% | 7.99% | 11.24% | 6.00% | 6.25% |
| Associated School Employees Credit Union | 5.74% | 6.10% | – | 11.50% | 7.30% | 7.20% |
| Stark Federal Credit Union | 4.99% | 4.99% | 15.75% | 9.49% | 7.64% | 8.25% |
| Towpath Credit Union | 5.28% | 6.43% | 12.94% | 14.49% | 5.18% | 7.56% |
| Achieve Credit Union | 4.85% | 4.85% | 8.90% | 14.95% | 5.75% | 6.75% |
| Impact Credit Union, Inc. | 4.99% | 6.49% | 9.99% | 12.75% | 6.88% | 7.25% |
| Credit Union of Ohio | 5.49% | 5.49% | 9.90% | 12.15% | 6.75% | 6.75% |
| Aurgroup Credit Union | 5.95% | 6.67% | – | 12.57% | 5.44% | 6.42% |
| Abbey Credit Union | 6.25% | 8.18% | 12.64% | 12.04% | 6.09% | 7.12% |
| Firestone Federal Credit Union | 4.95% | 6.41% | – | 8.19% | 4.25% | 8.06% |
| Cincinnati Ohio Police Federal Credit Union | 5.50% | 7.40% | 9.00% | 11.25% | 6.40% | 7.00% |
| Code Credit Union | 5.62% | 6.65% | 12.73% | 10.99% | 3.67% | 7.74% |
| Hopewell Federal Credit Union | 6.67% | 7.24% | 11.02% | 12.88% | 4.88% | 7.20% |
| Buckeye State Credit Union | 8.75% | 9.75% | 17.95% | 13.00% | 7.75% | 8.25% |
| Best Reward Federal Credit Union | 5.00% | 7.00% | 12.99% | 14.00% | 5.85% | 6.25% |
| Trupartner Credit Union | 6.16% | 7.66% | 11.09% | 10.94% | 4.44% | 6.06% |
| BFG Federal Credit Union | 4.74% | 4.74% | 11.99% | 11.99% | 6.75% | 6.24% |
| Ohio Educational Credit Union | 6.48% | 4.74% | 10.75% | 8.99% | 6.50% | 5.99% |
| Lakeview Federal Credit Union | 3.99% | 5.99% | 11.95% | 13.99% | 6.00% | 6.25% |
| Medina County Federal Credit Union | 4.95% | 4.95% | 11.90% | 13.00% | 6.88% | 7.50% |
| Education First Credit Union, Inc. | 4.99% | 5.74% | 15.49% | 9.99% | 6.88% | 6.75% |
| Greater Cincinnati School Credit Union | 5.50% | 6.50% | 13.90% | 10.90% | 5.70% | 6.70% |
| Pillar Credit Union | 6.16% | 7.84% | 12.10% | 13.36% | 4.95% | 7.91% |
| Treadwell Credit Union | 6.73% | 7.88% | 14.05% | 5.95% | 4.91% | 7.29% |
| Firefighters & Company Federal Credit Union | 6.79% | 6.79% | 7.99% | 18.00% | 3.25% | 6.75% |
| Community One Credit Union of Ohio | 5.56% | 6.73% | 7.76% | 12.32% | 4.43% | 6.86% |
| Hancock Federal Credit Union | 6.49% | 6.49% | 8.99% | 11.99% | 6.25% | 6.75% |
| Cleveland Selfreliance Federal Credit Union | 4.45% | 5.47% | 12.00% | 10.75% | 4.61% | 4.75% |
| Riverview Federal Credit Union | 5.94% | 7.86% | – | 12.28% | 5.83% | 7.91% |
| Friends and Family Credit Union Inc | 5.11% | 5.74% | 7.80% | 12.90% | 3.95% | 6.95% |
| Ohio Healthcare Federal Credit Union | 5.82% | 6.38% | 13.21% | 13.49% | 4.16% | 7.15% |
| Bay Area Credit Union | 5.25% | 5.25% | 12.95% | 12.95% | 6.75% | 7.38% |
| Golden Circle Credit Union | 4.69% | 8.57% | 12.99% | 16.35% | 4.96% | 8.08% |
| Community Star Credit Union | 6.31% | 6.55% | 10.00% | 12.04% | 4.66% | 8.12% |
| Commodore Perry Federal Credit Union | 7.93% | 6.05% | 12.01% | 13.83% | 8.54% | 7.35% |
| Community First Credit Union | 5.25% | 6.20% | 13.00% | 12.00% | 6.00% | 6.50% |
| University of Toledo Federal Credit Union | 4.99% | 4.99% | 10.00% | 9.99% | 5.00% | 7.40% |
| Unity Catholic Federal Credit Union | 7.02% | 7.64% | 10.31% | 9.26% | 5.50% | 5.68% |
| Christian Family Credit Union | 10.50% | 11.00% | 6.90% | 14.00% | 7.00% | 7.00% |
| State Highway Patrol Federal Credit Union | 5.25% | 5.25% | 8.99% | 10.51% | 6.25% | 6.75% |
| Dynamic Federal Credit Union | 4.25% | 4.25% | 11.90% | 14.00% | 6.00% | 6.00% |
| Your Legacy Federal Credit Union | 5.75% | 5.75% | 12.95% | 15.45% | 2.75% | 7.00% |
| Eaton Family Credit Union | 5.79% | 10.76% | 13.83% | 15.86% | 4.55% | 6.75% |
| Miami University Community Federal Credit Union | 6.24% | 7.49% | 12.95% | 14.24% | 6.38% | 6.75% |
| L C E Federal Credit Union | 4.70% | 4.99% | 10.75% | 10.99% | 5.90% | 6.75% |
| Champion Credit Union | 5.46% | 6.80% | 14.99% | 13.36% | 5.48% | 6.95% |
| Integrity Federal Credit Union | 4.87% | 5.71% | 10.50% | 13.02% | 5.48% | 7.16% |
| Lan-Fair Federal Credit Union | 5.49% | 7.17% | – | 10.74% | 4.42% | 6.68% |
| Jeep Country Federal Credit Union | 6.00% | 6.00% | 8.49% | 9.00% | 7.00% | 6.50% |
| KH Credit Union, Inc. | 5.69% | 6.27% | 8.82% | 11.50% | 4.83% | 7.65% |
| Doy Federal Credit Union | 5.62% | 5.90% | – | 5.95% | 4.81% | 5.62% |
| Millstream Area Credit Union | 5.28% | 7.97% | 18.00% | 14.12% | 4.64% | 6.55% |
| Educational Community Alliance Credit Union | 4.30% | 5.34% | – | 15.50% | 4.00% | 6.21% |
| Postal Family Credit Union, Inc. | 5.49% | 5.59% | 9.90% | 12.40% | 6.12% | 7.87% |
| Southeastern Ohio Credit Union | 6.31% | 7.50% | – | 12.13% | – | – |
| St. Josephs Canton Parish Federal Credit Union | 6.10% | 5.25% | 7.99% | 11.00% | 6.00% | 6.00% |
| Toledo Metro Federal Credit Union | 5.44% | 5.91% | 9.62% | 11.06% | 5.01% | 7.86% |
| Topmark Federal Credit Union | 5.74% | 5.95% | 12.00% | 13.75% | 6.00% | 6.75% |
| Falls Catholic Credit Union | 5.84% | 7.00% | 7.72% | 12.29% | 4.24% | 6.65% |
| Promedica Federal Credit Union | 5.66% | 6.64% | 13.94% | 8.52% | 3.02% | 7.15% |
| Summit Federal Credit Union | 3.99% | 3.99% | – | 7.75% | 4.39% | 7.00% |
| Toledo Police Federal Credit Union | 5.06% | 6.55% | 12.00% | 12.20% | 4.70% | 5.75% |
| Wayne County Community Federal Credit Union | 6.99% | 6.99% | 9.99% | 12.00% | 7.25% | 7.25% |
| Painesville Credit Union | 5.78% | 7.02% | 9.99% | 12.99% | 6.00% | 6.50% |
| Firstenergy Family Credit Union | 4.50% | 4.50% | – | 10.00% | 5.50% | 5.50% |
| Children's Medical Center Federal Credit Union | 6.50% | 6.70% | 9.65% | 12.65% | 5.25% | – |
| Toledo Fire Fighters Federal Credit Union | 4.98% | 5.49% | 7.13% | 10.77% | 4.06% | 6.83% |
| All Saints Federal Credit Union | 5.75% | 5.75% | 10.99% | 12.25% | 5.50% | 7.00% |
| First Ohio Community Federal Credit Union | 4.46% | 5.31% | 9.60% | 13.33% | 5.88% | 6.69% |
| New Horizon Federal Credit Union | 5.61% | 7.61% | 10.85% | 11.92% | 4.86% | 8.15% |
| Harvest Federal Credit Union | 5.19% | 5.99% | 8.90% | 13.90% | 6.50% | 6.99% |
| Advantage Credit Union | 5.73% | 6.83% | 10.93% | 9.76% | 5.12% | 7.07% |
| Valley One Community Federal Credit Union | 6.06% | 6.35% | 12.84% | 11.99% | 3.10% | 5.64% |
| Cleveland Police Credit Union | 6.27% | 7.14% | 14.94% | 14.83% | 5.50% | 7.23% |
| Wiremen's Credit Union | 4.85% | 6.21% | 11.90% | 11.90% | 4.10% | 5.00% |
| Erie Community Federal Credit Union | 7.20% | 9.78% | 9.99% | 9.03% | 5.94% | 7.25% |
| Materion Federal Credit Union | 4.32% | 4.76% | 11.74% | 10.33% | 6.93% | 7.21% |
| Members Choice Credit Union | 6.77% | 8.70% | 11.90% | 11.00% | 6.50% | – |
| Theory Federal Credit Union | 6.25% | 7.25% | 12.60% | 9.99% | 4.23% | 4.27% |
| Chivaho Federal Credit Union | 5.10% | 6.46% | 9.90% | 11.50% | 5.25% | 6.22% |
| Softite Community Federal Credit Union | 7.35% | 11.15% | – | 14.92% | 8.27% | 8.27% |
| Cincinnati Employees Credit Union | 4.75% | 5.25% | – | 8.99% | 5.00% | 6.24% |
| Greater Wayne Community Federal Credit Union | 4.30% | 7.21% | 13.00% | 12.59% | 7.58% | 5.73% |
| Allwealth Federal Credit Union | 4.99% | 5.99% | 9.99% | 15.75% | 6.50% | 7.00% |
| Brewster Federal Credit Union | 11.50% | 14.45% | – | 15.45% | 7.00% | 7.00% |
| Emerald Credit Union, Inc. | 3.99% | 6.09% | 9.95% | 11.49% | 2.56% | 6.75% |
| Carey Poverello Federal Credit Union | 5.24% | 7.21% | – | 12.83% | 4.52% | 4.35% |
| Cincinnati Interagency Federal Credit Union | 4.99% | 5.49% | 13.25% | 8.49% | – | 7.25% |
| Port Conneaut Federal Credit Union | 5.71% | 7.18% | 14.00% | 13.12% | 5.39% | 6.24% |
| Latvian Cleveland Credit Union | 5.00% | 5.50% | – | 11.99% | 8.00% | 8.00% |
| Ohio Valley Federal Credit Union | 5.98% | 5.67% | 8.40% | 12.34% | 7.09% | 7.03% |
| Eight Federal Credit Union | 5.30% | 6.11% | 12.99% | 11.53% | – | 6.75% |
| Sylvania Area Federal Credit Union | 6.24% | 6.74% | 14.99% | 16.00% | 3.75% | 7.74% |
| Parish Federal Credit Union | 4.50% | 4.50% | 13.50% | 15.00% | 5.75% | 6.75% |
| Members Trust Federal Credit Union | 4.99% | 4.99% | 7.99% | 7.99% | 5.25% | 6.49% |
| Ashland Community Federal Credit Union | 6.01% | 6.32% | – | 7.45% | 2.00% | – |
| Steel Valley Federal Credit Union | 4.01% | 5.83% | 11.51% | 13.00% | 5.03% | 7.88% |
| Genesis Employees Credit Union | 5.24% | 5.74% | – | 9.99% | – | – |
| Kyger Creek Credit Union | 5.75% | 6.50% | – | 12.00% | 5.99% | – |
| DN Community Federal Credit Union | 6.00% | 7.50% | 10.99% | 10.50% | 3.25% | 7.25% |
| Cincinnati Healthcare Associates Federal Credit Union | 5.00% | 7.25% | 12.50% | 13.20% | – | 7.00% |
| Toledo Urban Federal Credit Union | 5.37% | 9.05% | 9.99% | 13.03% | 5.44% | 6.78% |
| Minerva Area Federal Credit Union | 6.76% | 8.95% | – | 14.26% | – | – |
| Local Union 392 Federal Credit Union | 7.45% | 8.45% | – | 12.75% | – | – |
| Bse Credit Union | 5.03% | 7.15% | 10.99% | 11.90% | – | 5.31% |
| Ohio Teamsters Credit Union | 4.69% | 6.78% | – | 6.30% | 5.63% | – |
| Holy Family Parma Federal Credit Union | 5.23% | 6.52% | – | 8.25% | 4.03% | – |
| North Coast Credit Union | 6.50% | 7.56% | 12.22% | 17.09% | 3.49% | 6.50% |
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 Ohio credit unions · Lowest rates nationally