Auto Loans · Colorado
60 credit unions in Colorado report car loan rates to the NCUA. Rates range from 4.00% to 14.35%.
Updated Q1 2026 · NCUA Call Report data
60
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.92%
State Average Rate
37
Cities Covered
60 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ST. MICHAELS CRAIG | 4.00% | 6.00% |
| 2 | GUADALUPE PARISH Antonito | 4.06% | 8.68% |
| 3 | MOFFAT COUNTY SCHOOLS Craig | 4.25% | 5.25% |
| 4 | FELLOWSHIP Lamar | 4.49% | 4.49% |
| 5 | ONE THIRTEEN Colorado Spring | 4.76% | 4.00% |
| 6 | RIO BLANCO SCHOOLS Rangely | 4.80% | 5.68% |
| 7 | FITZSIMONS AURORA | 4.81% | 7.71% |
| 8 | CREDIT UNION OF DENVER LAKEWOOD | 4.95% | 4.95% |
| 9 | COLORADO Littleton | 4.99% | 4.99% |
| 10 | BELLCO GREENWOOD VILLA | 4.99% | 4.99% |
| 11 | POWER Pueblo | 4.99% | 4.99% |
| 12 | FORT MORGAN SCHOOLS Fort Morgan | 5.00% | 6.50% |
| 13 | FIDELIS CATHOLIC Arvada | 5.00% | 6.78% |
| 14 | GRAND JUNCTION Grand Junction | 5.00% | 6.74% |
| 15 | MINNEQUA WORKS Pueblo | 5.06% | 7.38% |
| 16 | YUMA COUNTY YUMA | 5.10% | 6.41% |
| 17 | CLEAN ENERGY Englewood | 5.13% | 6.56% |
| 18 | SAN JUAN MOUNTAINS Montrose | 5.18% | 6.17% |
| 19 | ON TAP Golden | 5.21% | 5.62% |
| 20 | CREDIT UNION OF THE ROCKIES Golden | 5.22% | 6.75% |
| 21 | WELD COMMUNITY Greeley | 5.23% | 6.16% |
| 22 | SUNWEST Pueblo | 5.24% | 5.74% |
| 23 | COLUMBINE Centennial | 5.24% | 5.24% |
| 24 | DENVER FIRE DEPARTMENT Denver | 5.25% | 5.25% |
| 25 | HORIZONS NORTH Westminster | 5.28% | 6.14% |
| 26 | AFFIDIAN Denver | 5.34% | 6.06% |
| 27 | PARTNER COLORADO Arvada | 5.37% | 6.45% |
| 28 | SCHOOL DISTRICT 3 Colorado Spring | 5.39% | 5.62% |
| 29 | STERLING STERLING | 5.50% | 5.99% |
| 30 | DELTA COUNTY Delta | 5.50% | 6.50% |
| 31 | NUVISTA Montrose | 5.54% | 5.64% |
| 32 | RIO GRANDE Grand Junction | 5.64% | 6.23% |
| 33 | SPACE AGE Aurora | 5.70% | 6.74% |
| 34 | HOLYOKE COMMUNITY Holyoke | 5.70% | 7.21% |
| 35 | ARAPAHOE Littleton | 5.71% | 8.44% |
| 36 | ENT Colorado Spring | 5.74% | 5.99% |
| 37 | ELEVATIONS Boulder | 5.74% | 5.99% |
| 38 | THE DISTRICT Aurora | 5.74% | 5.74% |
| 39 | WESTERRA Denver | 5.74% | 5.74% |
| 40 | ELECTRICAL ARVADA | 5.92% | 7.00% |
| 41 | WESTMINSTER Westminster | 5.95% | 6.51% |
| 42 | AIR ACADEMY Colorado Spring | 5.99% | 3.39% |
| 43 | FOOTHILLS Wheat Ridge | 5.99% | 5.99% |
| 44 | COLORAMO Grand Junction | 6.00% | 7.00% |
| 45 | PUEBLO GOVERNMENT AGENCIES Pueblo | 6.12% | 6.85% |
| 46 | RED ROCKS Littleton | 6.14% | 6.14% |
| 47 | PIKES PEAK Colorado Spring | 6.15% | 6.46% |
| 48 | METRUM COMMUNITY Centennial | 6.27% | 7.09% |
| 49 | CANVAS LONE TREE | 6.41% | 9.47% |
| 50 | OPTIONS Littleton | 6.43% | 8.16% |
| 51 | MERITRUST Broomfield | 6.74% | 7.68% |
| 52 | NORTHERN COLORADO GREELEY | 6.99% | 6.99% |
| 53 | PEOPLES SPRINGFIELD | 7.22% | 9.20% |
| 54 | SOOPER CU DBA CLIMB CU ARVADA | 7.29% | 8.79% |
| 55 | VALLEY EDUCATORS Alamosa | 8.50% | 8.50% |
| 56 | AURORA Aurora | 8.54% | 8.31% |
| 57 | DENVER COMMUNITY CU D.B.A. ZING CU Denver | 8.79% | 8.79% |
| 58 | STAR TECH GREENWOOD VILLA | 9.00% | 9.00% |
| 59 | CO-NE JULESBURG | 9.00% | 11.00% |
| 60 | CREDIT UNION OF COLORADO, A Denver | 14.35% | 9.37% |
62 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AIR ACADEMY Colorado Spring | 3.39% | 5.99% |
| 2 | ONE THIRTEEN Colorado Spring | 4.00% | 4.76% |
| 3 | FELLOWSHIP Lamar | 4.49% | 4.49% |
| 4 | CREDIT UNION OF DENVER LAKEWOOD | 4.95% | 4.95% |
| 5 | COLORADO Littleton | 4.99% | 4.99% |
| 6 | BELLCO GREENWOOD VILLA | 4.99% | 4.99% |
| 7 | POWER Pueblo | 4.99% | 4.99% |
| 8 | COLUMBINE Centennial | 5.24% | 5.24% |
| 9 | MOFFAT COUNTY SCHOOLS Craig | 5.25% | 4.25% |
| 10 | DENVER FIRE DEPARTMENT Denver | 5.25% | 5.25% |
| 11 | ON TAP Golden | 5.62% | 5.21% |
| 12 | SCHOOL DISTRICT 3 Colorado Spring | 5.62% | 5.39% |
| 13 | NUVISTA Montrose | 5.64% | 5.54% |
| 14 | RIO BLANCO SCHOOLS Rangely | 5.68% | 4.80% |
| 15 | SUNWEST Pueblo | 5.74% | 5.24% |
| 16 | THE DISTRICT Aurora | 5.74% | 5.74% |
| 17 | WESTERRA Denver | 5.74% | 5.74% |
| 18 | AKRON Akron | 5.75% | — |
| 19 | STERLING STERLING | 5.99% | 5.50% |
| 20 | ENT Colorado Spring | 5.99% | 5.74% |
| 21 | ELEVATIONS Boulder | 5.99% | 5.74% |
| 22 | FOOTHILLS Wheat Ridge | 5.99% | 5.99% |
| 23 | ST. MICHAELS CRAIG | 6.00% | 4.00% |
| 24 | AFFIDIAN Denver | 6.06% | 5.34% |
| 25 | HORIZONS NORTH Westminster | 6.14% | 5.28% |
| 26 | RED ROCKS Littleton | 6.14% | 6.14% |
| 27 | WELD COMMUNITY Greeley | 6.16% | 5.23% |
| 28 | SAN JUAN MOUNTAINS Montrose | 6.17% | 5.18% |
| 29 | RIO GRANDE Grand Junction | 6.23% | 5.64% |
| 30 | YUMA COUNTY YUMA | 6.41% | 5.10% |
| 31 | PARTNER COLORADO Arvada | 6.45% | 5.37% |
| 32 | PIKES PEAK Colorado Spring | 6.46% | 6.15% |
| 33 | FORT MORGAN SCHOOLS Fort Morgan | 6.50% | 5.00% |
| 34 | DELTA COUNTY Delta | 6.50% | 5.50% |
| 35 | WESTMINSTER Westminster | 6.51% | 5.95% |
| 36 | CLEAN ENERGY Englewood | 6.56% | 5.13% |
| 37 | GRAND JUNCTION Grand Junction | 6.74% | 5.00% |
| 38 | SPACE AGE Aurora | 6.74% | 5.70% |
| 39 | CREDIT UNION OF THE ROCKIES Golden | 6.75% | 5.22% |
| 40 | FIDELIS CATHOLIC Arvada | 6.78% | 5.00% |
| 41 | PUEBLO GOVERNMENT AGENCIES Pueblo | 6.85% | 6.12% |
| 42 | NORTHERN COLORADO GREELEY | 6.99% | 6.99% |
| 43 | ELECTRICAL ARVADA | 7.00% | 5.92% |
| 44 | COLORAMO Grand Junction | 7.00% | 6.00% |
| 45 | METRUM COMMUNITY Centennial | 7.09% | 6.27% |
| 46 | HOLYOKE COMMUNITY Holyoke | 7.21% | 5.70% |
| 47 | MINNEQUA WORKS Pueblo | 7.38% | 5.06% |
| 48 | MERITRUST Broomfield | 7.68% | 6.74% |
| 49 | FITZSIMONS AURORA | 7.71% | 4.81% |
| 50 | OPTIONS Littleton | 8.16% | 6.43% |
| 51 | AURORA Aurora | 8.31% | 8.54% |
| 52 | ARAPAHOE Littleton | 8.44% | 5.71% |
| 53 | VALLEY EDUCATORS Alamosa | 8.50% | 8.50% |
| 54 | GUADALUPE PARISH Antonito | 8.68% | 4.06% |
| 55 | SOOPER CU DBA CLIMB CU ARVADA | 8.79% | 7.29% |
| 56 | DENVER COMMUNITY CU D.B.A. ZING CU Denver | 8.79% | 8.79% |
| 57 | STAR TECH GREENWOOD VILLA | 9.00% | 9.00% |
| 58 | OLATHE Olathe | 9.06% | — |
| 59 | PEOPLES SPRINGFIELD | 9.20% | 7.22% |
| 60 | CREDIT UNION OF COLORADO, A Denver | 9.37% | 14.35% |
| 61 | CANVAS LONE TREE | 9.47% | 6.41% |
| 62 | CO-NE JULESBURG | 11.00% | 9.00% |
Most community credit unions in Colorado accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.