Auto Loans · Boise, Idaho
3 credit unions in Boise report car loan rates to the NCUA. Rates range from 3.00% to 5.93%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.00%
Lowest New Car Rate
4.52%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BOISE FIRE DEPARTMENT ★ 5.0 · 7 reviews | 3.00% | 5.00% |
| 2 | TRUGROCER ★ 4.4 · 49 reviews | 4.64% | 5.45% |
| 3 | IDAHO UNITED ★ 4.0 · 3 reviews | 5.93% | 7.82% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BOISE FIRE DEPARTMENT ★ 5.0 · 7 reviews | 5.00% | 3.00% |
| 2 | TRUGROCER ★ 4.4 · 49 reviews | 5.45% | 4.64% |
| 3 | IDAHO UNITED ★ 4.0 · 3 reviews | 7.82% | 5.93% |
A pre-approval from a Boise 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 Boise in the same window and take the best offer.
See member reviews, branch locations, and full rate details.