Auto Loans · Delaware
14 credit unions in Delaware report car loan rates to the NCUA. Rates range from 3.50% to 10.00%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
3.50%
Lowest New Car Rate
5.81%
State Average Rate
11
Cities Covered
14 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EDU New Castle | 3.50% | 4.50% |
| 2 | PRIORITY PLUS WILMINGTON | 3.99% | 3.99% |
| 3 | PROVIDENT DOVER | 4.64% | 9.94% |
| 4 | WILMINGTON POLICE & FIRE Wilmington | 4.99% | 6.74% |
| 5 | DEXSTA Wilmington | 5.24% | 5.49% |
| 6 | AMERICAN SPIRIT NEWARK | 5.35% | 7.10% |
| 7 | COMMUNITY POWERED BEAR | 5.59% | 5.99% |
| 8 | DOVER DOVER | 5.99% | 6.99% |
| 9 | EAGLE ONE Claymont | 6.03% | 10.34% |
| 10 | NEW CASTLE COUNTY DELAWARE EM NEW CASTLE | 6.17% | 5.95% |
| 11 | TIDEMARK Seaford | 6.25% | 6.25% |
| 12 | DEL-ONE Dover | 6.75% | 7.00% |
| 13 | DELAWARE STATE POLICE Georgetown | 6.84% | 7.59% |
| 14 | STEPPING STONES COMMUNITY Wilmington | 10.00% | 10.00% |
14 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PRIORITY PLUS WILMINGTON | 3.99% | 3.99% |
| 2 | EDU New Castle | 4.50% | 3.50% |
| 3 | DEXSTA Wilmington | 5.49% | 5.24% |
| 4 | NEW CASTLE COUNTY DELAWARE EM NEW CASTLE | 5.95% | 6.17% |
| 5 | COMMUNITY POWERED BEAR | 5.99% | 5.59% |
| 6 | TIDEMARK Seaford | 6.25% | 6.25% |
| 7 | WILMINGTON POLICE & FIRE Wilmington | 6.74% | 4.99% |
| 8 | DOVER DOVER | 6.99% | 5.99% |
| 9 | DEL-ONE Dover | 7.00% | 6.75% |
| 10 | AMERICAN SPIRIT NEWARK | 7.10% | 5.35% |
| 11 | DELAWARE STATE POLICE Georgetown | 7.59% | 6.84% |
| 12 | PROVIDENT DOVER | 9.94% | 4.64% |
| 13 | STEPPING STONES COMMUNITY Wilmington | 10.00% | 10.00% |
| 14 | EAGLE ONE Claymont | 10.34% | 6.03% |
Most community credit unions in Delaware 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.