Auto Loans · Colorado Spring, Colorado
5 credit unions in Colorado Spring report car loan rates to the NCUA. Rates range from 4.76% to 6.15%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.76%
Lowest New Car Rate
5.61%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ONE THIRTEEN ★ 3.9 · 14 reviews | 4.76% | 4.00% |
| 2 | SCHOOL DISTRICT 3 ★ 3.9 · 20 reviews | 5.39% | 5.62% |
| 3 | ENT ★ 4.0 · 197 reviews | 5.74% | 5.99% |
| 4 | AIR ACADEMY ★ 4.5 · 298 reviews | 5.99% | 3.39% |
| 5 | PIKES PEAK ★ 3.7 · 106 reviews | 6.15% | 6.46% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | AIR ACADEMY ★ 4.5 · 298 reviews | 3.39% | 5.99% |
| 2 | ONE THIRTEEN ★ 3.9 · 14 reviews | 4.00% | 4.76% |
| 3 | SCHOOL DISTRICT 3 ★ 3.9 · 20 reviews | 5.62% | 5.39% |
| 4 | ENT ★ 4.0 · 197 reviews | 5.99% | 5.74% |
| 5 | PIKES PEAK ★ 3.7 · 106 reviews | 6.46% | 6.15% |
A pre-approval from a Colorado Spring 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 Colorado Spring in the same window and take the best offer.
See member reviews, branch locations, and full rate details.