Auto Loans · Hartford, Connecticut
6 credit unions in Hartford report car loan rates to the NCUA. Rates range from 4.00% to 7.85%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.22%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CT FIREFIGHTERS ★ 4.2 · 10 reviews | 4.00% | 5.00% |
| 2 | HARTFORD ★ 4.0 · 14 reviews | 4.74% | 4.99% |
| 3 | METROPOLITAN DISTRICT EMPLOYEES ★ 5.0 · 3 reviews | 4.79% | 5.55% |
| 4 | CONNECTICUT STATE EMPLOYEES ★ 3.5 · 22 reviews | 4.80% | 4.80% |
| 5 | POLICE CREDIT UNION OF CONNECTICUT ★ 5.0 · 1 reviews | 5.11% | 6.92% |
| 6 | FRANKLIN TRUST ★ 4.2 · 328 reviews | 7.85% | 8.60% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CONNECTICUT STATE EMPLOYEES ★ 3.5 · 22 reviews | 4.80% | 4.80% |
| 2 | HARTFORD ★ 4.0 · 14 reviews | 4.99% | 4.74% |
| 3 | CT FIREFIGHTERS ★ 4.2 · 10 reviews | 5.00% | 4.00% |
| 4 | METROPOLITAN DISTRICT EMPLOYEES ★ 5.0 · 3 reviews | 5.55% | 4.79% |
| 5 | POLICE CREDIT UNION OF CONNECTICUT ★ 5.0 · 1 reviews | 6.92% | 5.11% |
| 6 | FRANKLIN TRUST ★ 4.2 · 328 reviews | 8.60% | 7.85% |
A pre-approval from a Hartford 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 Hartford in the same window and take the best offer.
See member reviews, branch locations, and full rate details.