Auto Loans · Montrose, Colorado
2 credit unions in Montrose report car loan rates to the NCUA. Rates range from 5.18% to 5.54%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.18%
Lowest New Car Rate
5.36%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SAN JUAN MOUNTAINS ★ 4.4 · 35 reviews | 5.18% | 6.17% |
| 2 | NUVISTA ★ 3.7 · 69 reviews | 5.54% | 5.64% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NUVISTA ★ 3.7 · 69 reviews | 5.64% | 5.54% |
| 2 | SAN JUAN MOUNTAINS ★ 4.4 · 35 reviews | 6.17% | 5.18% |
A pre-approval from a Montrose 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 Montrose in the same window and take the best offer.
See member reviews, branch locations, and full rate details.