Auto Loans · Connecticut
59 credit unions in Connecticut report car loan rates to the NCUA. Rates range from 3.49% to 8.63%.
Updated Q1 2026 · NCUA Call Report data
59
CUs Reporting Rates
3.49%
Lowest New Car Rate
5.13%
State Average Rate
41
Cities Covered
59 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CONNECTICUT LABOR DEPT Wethersfield | 3.49% | 6.24% |
| 2 | RIVERBANK Windsor Locks | 3.74% | 4.74% |
| 3 | GREENWICH MUNICIPAL EMPLOYEES Greenwich | 3.90% | 4.90% |
| 4 | CT FIREFIGHTERS HARTFORD | 4.00% | 5.00% |
| 5 | REGIONAL WATER AUTHORITY EMPLOYEES New Haven | 4.00% | 4.75% |
| 6 | TRUMBULL Trumbull | 4.25% | 4.25% |
| 7 | GENERAL ELECTRIC EMPLOYEES Milford | 4.25% | 5.00% |
| 8 | NORWALK HOSPITAL NORWALK | 4.30% | 6.08% |
| 9 | STATE POLICE CREDIT UNION INC. Meriden | 4.49% | 4.99% |
| 10 | CONNEX North Haven | 4.59% | 4.64% |
| 11 | SIKORSKY FINANCIAL Stratford | 4.59% | 4.59% |
| 12 | WATERBURY CONNECTICUT TEACHERS WATERBURY | 4.65% | 4.65% |
| 13 | MUTUAL SECURITY SHELTON | 4.69% | 5.19% |
| 14 | COMMUNITY CU OF NEW MILFORD, INC. NEW MILFORD | 4.74% | 6.53% |
| 15 | HARTFORD Hartford | 4.74% | 4.99% |
| 16 | NORTHWEST HILLS Torrington | 4.74% | 5.24% |
| 17 | ST. VINCENT'S MEDICAL CENTER BRIDGEPORT | 4.75% | 4.99% |
| 18 | METROPOLITAN DISTRICT EMPLOYEES HARTFORD | 4.79% | 5.55% |
| 19 | ALBRIGHT Bethel | 4.79% | 4.99% |
| 20 | CONNECTICUT STATE EMPLOYEES HARTFORD | 4.80% | 4.80% |
| 21 | AMERICA'S FIRST NETWORK East Hartford | 4.84% | 6.51% |
| 22 | TOBACCO VALLEY TEACHERS Enfield | 4.95% | 5.42% |
| 23 | STAMFORD HEALTHCARE Stamford | 4.98% | 5.31% |
| 24 | COREPLUS Norwich | 4.99% | 5.99% |
| 25 | UNITED BUSINESS & INDUSTRY Plainville | 4.99% | 5.99% |
| 26 | ELLAFI Middletown | 4.99% | 5.49% |
| 27 | MEMBERSFIRST CT Meriden | 4.99% | 4.99% |
| 28 | TORRINGTON MUNICIPAL AND TEACHERS TORRINGTON | 4.99% | 5.99% |
| 29 | NEW HAVEN FIREFIGHTERS New Haven | 4.99% | 7.99% |
| 30 | LAWRENCE MEMORIAL HOSPITAL EMPLOYEE New London | 4.99% | 4.99% |
| 31 | PITNEY BOWES EMPLOYEES Shelton | 5.00% | 5.00% |
| 32 | CONNECTICUT POSTAL New Britain | 5.00% | 6.50% |
| 33 | NEW HAVEN TEACHERS New Haven | 5.02% | 5.76% |
| 34 | THE NEW HAVEN POLICE AND MUNICIPAL New Haven | 5.04% | 5.96% |
| 35 | POLICE CREDIT UNION OF CONNECTICUT Hartford | 5.11% | 6.92% |
| 36 | FD COMMUNITY Waterbury | 5.19% | 6.22% |
| 37 | FINEX East Hartford | 5.24% | 5.99% |
| 38 | DUTCH POINT Wethersfield | 5.25% | 5.75% |
| 39 | ACHIEVE FINANCIAL Berlin | 5.25% | 6.00% |
| 40 | CORNERSTONE FAIRFIELD | 5.25% | 5.25% |
| 41 | MANCHESTER MUNICIPAL Manchester | 5.33% | 5.82% |
| 42 | GHA Greenwich | 5.40% | 5.91% |
| 43 | CHARTER OAK WATERFORD | 5.47% | 6.05% |
| 44 | BRIDGEPORT POLICE Bridgeport | 5.49% | 5.49% |
| 45 | COMMUNITY HEALTHCARE Manchester | 5.50% | 5.50% |
| 46 | NUTMEG STATE FINANCIAL Rocky Hill | 5.50% | 6.49% |
| 47 | GREATER WATERBURY HEALTHCARE WATERBURY | 5.50% | 6.50% |
| 48 | SCIENCE PARK NEW HAVEN | 5.50% | 6.75% |
| 49 | 360 Windsor Locks | 5.54% | 6.07% |
| 50 | SKYLINE FINANCIAL Waterbury | 5.58% | 7.53% |
| 51 | MEMBERS Stamford | 5.61% | 6.67% |
| 52 | UNITY FINANCIAL New Haven | 5.69% | 7.00% |
| 53 | SOUND Norwalk | 5.86% | 6.09% |
| 54 | BRIDGEPORT POST OFFICE Bridgeport | 6.00% | 7.00% |
| 55 | AMERICAN EAGLE FINANCIAL EAST HARTFORD | 6.16% | 6.84% |
| 56 | ENFIELD COMMUNITY ENFIELD | 6.25% | 8.25% |
| 57 | WATERBURY POSTAL EMPLOYEES WATERBURY | 6.48% | 6.65% |
| 58 | FRANKLIN TRUST Hartford | 7.85% | 8.60% |
| 59 | NEW HAVEN COUNTY North Haven | 8.63% | 7.61% |
61 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | KIEF PROTECTIVE MUTUAL BENEFIT ASS. Bloomfield | 4.09% | — |
| 2 | TRUMBULL Trumbull | 4.25% | 4.25% |
| 3 | SIKORSKY FINANCIAL Stratford | 4.59% | 4.59% |
| 4 | CONNEX North Haven | 4.64% | 4.59% |
| 5 | WATERBURY CONNECTICUT TEACHERS WATERBURY | 4.65% | 4.65% |
| 6 | RIVERBANK Windsor Locks | 4.74% | 3.74% |
| 7 | REGIONAL WATER AUTHORITY EMPLOYEES New Haven | 4.75% | 4.00% |
| 8 | CONNECTICUT STATE EMPLOYEES HARTFORD | 4.80% | 4.80% |
| 9 | GREENWICH MUNICIPAL EMPLOYEES Greenwich | 4.90% | 3.90% |
| 10 | STATE POLICE CREDIT UNION INC. Meriden | 4.99% | 4.49% |
| 11 | HARTFORD Hartford | 4.99% | 4.74% |
| 12 | ST. VINCENT'S MEDICAL CENTER BRIDGEPORT | 4.99% | 4.75% |
| 13 | ALBRIGHT Bethel | 4.99% | 4.79% |
| 14 | MEMBERSFIRST CT Meriden | 4.99% | 4.99% |
| 15 | LAWRENCE MEMORIAL HOSPITAL EMPLOYEE New London | 4.99% | 4.99% |
| 16 | CT FIREFIGHTERS HARTFORD | 5.00% | 4.00% |
| 17 | GENERAL ELECTRIC EMPLOYEES Milford | 5.00% | 4.25% |
| 18 | PITNEY BOWES EMPLOYEES Shelton | 5.00% | 5.00% |
| 19 | MUTUAL SECURITY SHELTON | 5.19% | 4.69% |
| 20 | NORTHWEST HILLS Torrington | 5.24% | 4.74% |
| 21 | CORNERSTONE FAIRFIELD | 5.25% | 5.25% |
| 22 | STAMFORD HEALTHCARE Stamford | 5.31% | 4.98% |
| 23 | TOBACCO VALLEY TEACHERS Enfield | 5.42% | 4.95% |
| 24 | ELLAFI Middletown | 5.49% | 4.99% |
| 25 | BRIDGEPORT POLICE Bridgeport | 5.49% | 5.49% |
| 26 | COMMUNITY HEALTHCARE Manchester | 5.50% | 5.50% |
| 27 | METROPOLITAN DISTRICT EMPLOYEES HARTFORD | 5.55% | 4.79% |
| 28 | DUTCH POINT Wethersfield | 5.75% | 5.25% |
| 29 | NEW HAVEN TEACHERS New Haven | 5.76% | 5.02% |
| 30 | MANCHESTER MUNICIPAL Manchester | 5.82% | 5.33% |
| 31 | GHA Greenwich | 5.91% | 5.40% |
| 32 | THE NEW HAVEN POLICE AND MUNICIPAL New Haven | 5.96% | 5.04% |
| 33 | COREPLUS Norwich | 5.99% | 4.99% |
| 34 | UNITED BUSINESS & INDUSTRY Plainville | 5.99% | 4.99% |
| 35 | TORRINGTON MUNICIPAL AND TEACHERS TORRINGTON | 5.99% | 4.99% |
| 36 | FINEX East Hartford | 5.99% | 5.24% |
| 37 | ACHIEVE FINANCIAL Berlin | 6.00% | 5.25% |
| 38 | CHARTER OAK WATERFORD | 6.05% | 5.47% |
| 39 | 360 Windsor Locks | 6.07% | 5.54% |
| 40 | NORWALK HOSPITAL NORWALK | 6.08% | 4.30% |
| 41 | SOUND Norwalk | 6.09% | 5.86% |
| 42 | FD COMMUNITY Waterbury | 6.22% | 5.19% |
| 43 | CONNECTICUT LABOR DEPT Wethersfield | 6.24% | 3.49% |
| 44 | NUTMEG STATE FINANCIAL Rocky Hill | 6.49% | 5.50% |
| 45 | CONNECTICUT POSTAL New Britain | 6.50% | 5.00% |
| 46 | GREATER WATERBURY HEALTHCARE WATERBURY | 6.50% | 5.50% |
| 47 | AMERICA'S FIRST NETWORK East Hartford | 6.51% | 4.84% |
| 48 | COMMUNITY CU OF NEW MILFORD, INC. NEW MILFORD | 6.53% | 4.74% |
| 49 | WATERBURY POSTAL EMPLOYEES WATERBURY | 6.65% | 6.48% |
| 50 | MEMBERS Stamford | 6.67% | 5.61% |
| 51 | SCIENCE PARK NEW HAVEN | 6.75% | 5.50% |
| 52 | AMERICAN EAGLE FINANCIAL EAST HARTFORD | 6.84% | 6.16% |
| 53 | POLICE CREDIT UNION OF CONNECTICUT Hartford | 6.92% | 5.11% |
| 54 | UNITY FINANCIAL New Haven | 7.00% | 5.69% |
| 55 | BRIDGEPORT POST OFFICE Bridgeport | 7.00% | 6.00% |
| 56 | ASA BLOOMFIELD | 7.25% | — |
| 57 | SKYLINE FINANCIAL Waterbury | 7.53% | 5.58% |
| 58 | NEW HAVEN COUNTY North Haven | 7.61% | 8.63% |
| 59 | NEW HAVEN FIREFIGHTERS New Haven | 7.99% | 4.99% |
| 60 | ENFIELD COMMUNITY ENFIELD | 8.25% | 6.25% |
| 61 | FRANKLIN TRUST Hartford | 8.60% | 7.85% |
Most community credit unions in Connecticut 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.