Auto Loans · Grand Junction, Colorado
3 credit unions in Grand Junction report car loan rates to the NCUA. Rates range from 5.00% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.55%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GRAND JUNCTION ★ 3.6 · 51 reviews | 5.00% | 6.74% |
| 2 | RIO GRANDE ★ 4.2 · 33 reviews | 5.64% | 6.23% |
| 3 | COLORAMO ★ 3.4 · 109 reviews | 6.00% | 7.00% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIO GRANDE ★ 4.2 · 33 reviews | 6.23% | 5.64% |
| 2 | GRAND JUNCTION ★ 3.6 · 51 reviews | 6.74% | 5.00% |
| 3 | COLORAMO ★ 3.4 · 109 reviews | 7.00% | 6.00% |
A pre-approval from a Grand Junction 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 Grand Junction in the same window and take the best offer.
See member reviews, branch locations, and full rate details.