Auto Loans · Indiana
118 credit unions in Indiana report car loan rates to the NCUA. Rates range from 2.39% to 10.91%.
Updated Q1 2026 · NCUA Call Report data
118
CUs Reporting Rates
2.39%
Lowest New Car Rate
5.52%
State Average Rate
72
Cities Covered
118 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EVERWISE South Bend | 2.39% | 8.75% |
| 2 | H A L E Indianapolis | 2.97% | 6.03% |
| 3 | FAMILY HORIZONS Indianapolis | 2.99% | 3.40% |
| 4 | INOVA Elkhart | 3.00% | 6.25% |
| 5 | CENTRAL SOYA Decatur | 3.49% | 6.25% |
| 6 | CONCORA WABASH WABASH | 3.50% | 5.00% |
| 7 | BAR-CONS Columbus | 3.91% | 6.39% |
| 8 | CENTRA COLUMBUS | 3.99% | 5.34% |
| 9 | WHITING REFINERY Whiting | 3.99% | 4.94% |
| 10 | HOWARD COUNTY SCHOOL EM Kokomo | 4.00% | 6.50% |
| 11 | WAYNE COUNTY Richmond | 4.00% | 4.00% |
| 12 | PUBLIC SERVICE EDWARDSPT PL E Linton | 4.03% | 6.33% |
| 13 | POLICEMEN'S South Bend | 4.08% | 5.23% |
| 14 | BUSINESS AND INDUSTRIAL Columbus | 4.18% | 5.13% |
| 15 | JEFFERSON COMMUNITY Madison | 4.26% | 4.82% |
| 16 | FINANCIAL PARTNERS Woodburn | 4.35% | 4.35% |
| 17 | FORTRESS Marion | 4.39% | 4.89% |
| 18 | FINANS Hammond | 4.40% | 6.64% |
| 19 | PARTNERS 1ST Fort Wayne | 4.49% | 4.49% |
| 20 | U S #1364 MERRILLVILLE | 4.49% | 4.49% |
| 21 | INDIANA MEMBERS Indianapolis | 4.49% | 4.49% |
| 22 | JACKSON COUNTY CO-OP SEYMOUR | 4.50% | 6.00% |
| 23 | SOLIDARITY COMMUNITY Kokomo | 4.69% | 4.99% |
| 24 | REGIONAL Winfield | 4.70% | 4.50% |
| 25 | MIDWEST FAMILY PORTAGE | 4.73% | 5.60% |
| 26 | PUBLIC SERVICE #3 Fort Wayne | 4.74% | 4.74% |
| 27 | VULCRAFT EMPLOYEES ST JOE | 4.74% | 5.49% |
| 28 | CLIFTY CREEK EMPLOYEES Madison | 4.75% | 7.99% |
| 29 | EVANSVILLE FIREFIGHTERS EVANSVILLE | 4.75% | 4.75% |
| 30 | KEMBA INDIANAPOLIS Indianapolis | 4.79% | 5.59% |
| 31 | RICHMOND LIGHT EMPLOYEES Richmond | 4.80% | 5.30% |
| 32 | COMMUNITY SPIRIT CREDIT UNION Lawrenceburg | 4.83% | 7.12% |
| 33 | LOCAL 697 MERRILLVILLE | 4.98% | 5.33% |
| 34 | LAKES Monticello | 4.99% | 4.99% |
| 35 | FINANCIAL HEALTH Indianapolis | 5.00% | 10.00% |
| 36 | HOBART IND SCHOOL EMPLOYEES HOBART | 5.00% | 5.00% |
| 37 | NOTRE DAME Notre Dame | 5.01% | 6.30% |
| 38 | MIDWEST AMERICA Fort Wayne | 5.15% | 6.46% |
| 39 | THRIVE MUNCIE | 5.16% | 6.37% |
| 40 | GESB SHEET METAL WORKERS PORTAGE | 5.19% | 7.53% |
| 41 | HAYNES COMMUNITY Kokomo | 5.22% | 6.32% |
| 42 | GENERATIONS LA PORTE | 5.24% | 6.74% |
| 43 | WESTERN INDIANA CREDIT UNION Sullivan | 5.24% | 9.25% |
| 44 | TLCU FINANCIAL MISHAWAKA | 5.24% | 6.24% |
| 45 | NORTHERN INDIANA Merrillville | 5.25% | 6.40% |
| 46 | PROFESSIONAL POLICE OFFICERS Indianapolis | 5.25% | 5.75% |
| 47 | FIRST COUNTY MUNCIE | 5.25% | 5.99% |
| 48 | PRIMETRUST FINANCIAL MUNCIE | 5.26% | 6.60% |
| 49 | DEL MET MUNCIE | 5.32% | 5.44% |
| 50 | DIVERSIFIED GENERAL Logansport | 5.32% | 6.81% |
| 51 | ENERGY PLUS Indianapolis | 5.33% | 6.70% |
| 52 | PROFED Fort Wayne | 5.34% | 5.34% |
| 53 | HOMETOWN Peru | 5.35% | 8.72% |
| 54 | SOUTH BEND FIREFIGHTERS SOUTH BEND | 5.38% | 5.44% |
| 55 | TECH Crown Point | 5.38% | 6.25% |
| 56 | HEALTH CARE PROFESSIONALS Richmond | 5.40% | 7.75% |
| 57 | PURDUE WEST LAFAYETTE | 5.44% | 5.94% |
| 58 | FIRST TRUST Michigan City | 5.49% | 4.49% |
| 59 | FO ME BO CO Wabash | 5.50% | 7.00% |
| 60 | CITY OF FIRSTS COMMUNITY Kokomo | 5.50% | 5.50% |
| 61 | ALLEGIUS Burns Harbor | 5.50% | 5.50% |
| 62 | ENCOMPASS Tipton | 5.53% | 8.69% |
| 63 | ADVANCE FINANCIAL Schererville | 5.60% | 5.97% |
| 64 | MEMBERS SOURCE Merrillville | 5.63% | 5.81% |
| 65 | T H P Terre Haute | 5.65% | 6.13% |
| 66 | INDIANA HEARTLAND KOKOMO | 5.67% | 7.91% |
| 67 | PERFECT CIRCLE Hagerstown | 5.70% | 7.48% |
| 68 | HOOSIER UNITED Indianapolis | 5.75% | 6.50% |
| 69 | ADVANTAGEPLUS OF INDIANA Terre Haute | 5.82% | 6.96% |
| 70 | VIA CREDIT UNION Marion | 5.83% | 6.43% |
| 71 | WEATHERHEAD C C Columbia City | 5.85% | 6.59% |
| 72 | EVANSVILLE Evansville | 5.87% | 6.95% |
| 73 | DUBOIS-PIKE JASPER | 5.87% | 6.58% |
| 74 | FIRE POLICE CITY COUNTY FORT WAYNE | 5.94% | 7.96% |
| 75 | LA PORTE COMMUNITY La Porte | 5.99% | 5.99% |
| 76 | CRANE ODON | 5.99% | 7.24% |
| 77 | HARVESTER FINANCIAL Indianapolis | 5.99% | 7.79% |
| 78 | EASTERN INDIANA NEW CASTLE | 5.99% | 6.24% |
| 79 | VIGO COUNTY Terre Haute | 6.00% | 6.00% |
| 80 | FIREFIGHTERS Indianapolis | 6.00% | 7.00% |
| 81 | RIVERSIDE COMMUNITY Marion | 6.00% | 6.90% |
| 82 | POWER ONE Fort Wayne | 6.00% | 7.32% |
| 83 | TIPPECANOE lafayette | 6.00% | 6.50% |
| 84 | INDIANA UNIVERSITY BLOOMINGTON | 6.04% | 6.24% |
| 85 | CROSSROADS FINANCIAL Portland | 6.06% | 7.76% |
| 86 | FINANCIAL BUILDERS Kokomo | 6.08% | 7.28% |
| 87 | FORT FINANCIAL Fort Wayne | 6.10% | 6.62% |
| 88 | LAMPCO ANDERSON | 6.11% | 8.33% |
| 89 | INDIANA STATE UNIVERSITY Terre Haute | 6.11% | 6.67% |
| 90 | ELEMENTS FINANCIAL INDIANAPOLIS | 6.13% | 7.27% |
| 91 | BEACON Wabash | 6.20% | 7.00% |
| 92 | HOOSIER HILLS Bedford | 6.23% | 8.25% |
| 93 | INDUSTRIAL Lafayette | 6.23% | 7.24% |
| 94 | INDIANA LAKES Warsaw | 6.25% | 7.25% |
| 95 | A H E PLANT 3 WINCHESTER | 6.25% | 7.25% |
| 96 | CHIPHONE ELKHART | 6.27% | 7.37% |
| 97 | DIAMOND VALLEY Evansville | 6.29% | 8.42% |
| 98 | GRAND HERITAGE LAPORTE | 6.29% | 8.99% |
| 99 | FORUM INDIANAPOLIS | 6.34% | 6.34% |
| 100 | INTERRA Goshen | 6.39% | 8.46% |
| 101 | AFENA Marion | 6.39% | 6.49% |
| 102 | THREE RIVERS FORT WAYNE | 6.39% | 8.99% |
| 103 | HERITAGE Newburgh | 6.46% | 7.92% |
| 104 | INDEPENDENT Anderson | 6.49% | 6.49% |
| 105 | MARTIN COUNTY COOPERATIVE loogootee | 6.50% | 9.01% |
| 106 | NATCO RICHMOND | 6.57% | 8.07% |
| 107 | LIBERTY Evansville | 6.68% | 7.75% |
| 108 | MEMBERS ADVANTAGE MICHIGAN CITY | 6.85% | 6.85% |
| 109 | PROFINANCE Merrillville | 6.88% | 8.00% |
| 110 | MT ZION INDIANAPOLIS Indianapolis | 7.00% | 8.00% |
| 111 | FINANCIAL CENTER FIRST Indianapolis | 7.15% | 7.25% |
| 112 | GREAT HORIZONS Munster | 7.19% | 7.98% |
| 113 | SOUTH BEND TRANSIT South Bend | 7.64% | 8.75% |
| 114 | COMMUNITYWIDE South Bend | 7.99% | 9.64% |
| 115 | COMMUNITY LINK HUNTINGTON | 7.99% | 7.99% |
| 116 | ONE VISION Clarksville | 7.99% | 6.73% |
| 117 | STERLING UNITED EVANSVILLE | 8.00% | 7.85% |
| 118 | MADISON COUNTY Anderson | 10.91% | 12.01% |
120 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FAMILY HORIZONS Indianapolis | 3.40% | 2.99% |
| 2 | WAYNE COUNTY Richmond | 4.00% | 4.00% |
| 3 | FINANCIAL PARTNERS Woodburn | 4.35% | 4.35% |
| 4 | PARTNERS 1ST Fort Wayne | 4.49% | 4.49% |
| 5 | U S #1364 MERRILLVILLE | 4.49% | 4.49% |
| 6 | INDIANA MEMBERS Indianapolis | 4.49% | 4.49% |
| 7 | FIRST TRUST Michigan City | 4.49% | 5.49% |
| 8 | REGIONAL Winfield | 4.50% | 4.70% |
| 9 | PUBLIC SERVICE #3 Fort Wayne | 4.74% | 4.74% |
| 10 | EVANSVILLE FIREFIGHTERS EVANSVILLE | 4.75% | 4.75% |
| 11 | JEFFERSON COMMUNITY Madison | 4.82% | 4.26% |
| 12 | FORTRESS Marion | 4.89% | 4.39% |
| 13 | WHITING REFINERY Whiting | 4.94% | 3.99% |
| 14 | SOLIDARITY COMMUNITY Kokomo | 4.99% | 4.69% |
| 15 | LAKES Monticello | 4.99% | 4.99% |
| 16 | CONCORA WABASH WABASH | 5.00% | 3.50% |
| 17 | HOBART IND SCHOOL EMPLOYEES HOBART | 5.00% | 5.00% |
| 18 | BUSINESS AND INDUSTRIAL Columbus | 5.13% | 4.18% |
| 19 | POLICEMEN'S South Bend | 5.23% | 4.08% |
| 20 | RICHMOND LIGHT EMPLOYEES Richmond | 5.30% | 4.80% |
| 21 | LOCAL 697 MERRILLVILLE | 5.33% | 4.98% |
| 22 | CENTRA COLUMBUS | 5.34% | 3.99% |
| 23 | PROFED Fort Wayne | 5.34% | 5.34% |
| 24 | DEL MET MUNCIE | 5.44% | 5.32% |
| 25 | SOUTH BEND FIREFIGHTERS SOUTH BEND | 5.44% | 5.38% |
| 26 | VULCRAFT EMPLOYEES ST JOE | 5.49% | 4.74% |
| 27 | CITY OF FIRSTS COMMUNITY Kokomo | 5.50% | 5.50% |
| 28 | ALLEGIUS Burns Harbor | 5.50% | 5.50% |
| 29 | KEMBA INDIANAPOLIS Indianapolis | 5.59% | 4.79% |
| 30 | MIDWEST FAMILY PORTAGE | 5.60% | 4.73% |
| 31 | PROFESSIONAL POLICE OFFICERS Indianapolis | 5.75% | 5.25% |
| 32 | MEMBERS SOURCE Merrillville | 5.81% | 5.63% |
| 33 | PURDUE WEST LAFAYETTE | 5.94% | 5.44% |
| 34 | ADVANCE FINANCIAL Schererville | 5.97% | 5.60% |
| 35 | FIRST COUNTY MUNCIE | 5.99% | 5.25% |
| 36 | LA PORTE COMMUNITY La Porte | 5.99% | 5.99% |
| 37 | JACKSON COUNTY CO-OP SEYMOUR | 6.00% | 4.50% |
| 38 | VIGO COUNTY Terre Haute | 6.00% | 6.00% |
| 39 | H A L E Indianapolis | 6.03% | 2.97% |
| 40 | T H P Terre Haute | 6.13% | 5.65% |
| 41 | TLCU FINANCIAL MISHAWAKA | 6.24% | 5.24% |
| 42 | EASTERN INDIANA NEW CASTLE | 6.24% | 5.99% |
| 43 | INDIANA UNIVERSITY BLOOMINGTON | 6.24% | 6.04% |
| 44 | INOVA Elkhart | 6.25% | 3.00% |
| 45 | CENTRAL SOYA Decatur | 6.25% | 3.49% |
| 46 | TECH Crown Point | 6.25% | 5.38% |
| 47 | NOTRE DAME Notre Dame | 6.30% | 5.01% |
| 48 | HAYNES COMMUNITY Kokomo | 6.32% | 5.22% |
| 49 | PUBLIC SERVICE EDWARDSPT PL E Linton | 6.33% | 4.03% |
| 50 | FORUM INDIANAPOLIS | 6.34% | 6.34% |
| 51 | THRIVE MUNCIE | 6.37% | 5.16% |
| 52 | BAR-CONS Columbus | 6.39% | 3.91% |
| 53 | NORTHERN INDIANA Merrillville | 6.40% | 5.25% |
| 54 | VIA CREDIT UNION Marion | 6.43% | 5.83% |
| 55 | MIDWEST AMERICA Fort Wayne | 6.46% | 5.15% |
| 56 | AFENA Marion | 6.49% | 6.39% |
| 57 | INDEPENDENT Anderson | 6.49% | 6.49% |
| 58 | HOWARD COUNTY SCHOOL EM Kokomo | 6.50% | 4.00% |
| 59 | HOOSIER UNITED Indianapolis | 6.50% | 5.75% |
| 60 | TIPPECANOE lafayette | 6.50% | 6.00% |
| 61 | DUBOIS-PIKE JASPER | 6.58% | 5.87% |
| 62 | WEATHERHEAD C C Columbia City | 6.59% | 5.85% |
| 63 | PRIMETRUST FINANCIAL MUNCIE | 6.60% | 5.26% |
| 64 | FORT FINANCIAL Fort Wayne | 6.62% | 6.10% |
| 65 | FINANS Hammond | 6.64% | 4.40% |
| 66 | INDIANA STATE UNIVERSITY Terre Haute | 6.67% | 6.11% |
| 67 | ENERGY PLUS Indianapolis | 6.70% | 5.33% |
| 68 | ONE VISION Clarksville | 6.73% | 7.99% |
| 69 | GENERATIONS LA PORTE | 6.74% | 5.24% |
| 70 | DIVERSIFIED GENERAL Logansport | 6.81% | 5.32% |
| 71 | MEMBERS ADVANTAGE MICHIGAN CITY | 6.85% | 6.85% |
| 72 | URBAN BEGINNINGS CHOICE Fort Wayne | 6.85% | — |
| 73 | RIVERSIDE COMMUNITY Marion | 6.90% | 6.00% |
| 74 | EVANSVILLE Evansville | 6.95% | 5.87% |
| 75 | ADVANTAGEPLUS OF INDIANA Terre Haute | 6.96% | 5.82% |
| 76 | FO ME BO CO Wabash | 7.00% | 5.50% |
| 77 | FIREFIGHTERS Indianapolis | 7.00% | 6.00% |
| 78 | BEACON Wabash | 7.00% | 6.20% |
| 79 | COMMUNITY SPIRIT CREDIT UNION Lawrenceburg | 7.12% | 4.83% |
| 80 | CRANE ODON | 7.24% | 5.99% |
| 81 | INDUSTRIAL Lafayette | 7.24% | 6.23% |
| 82 | INDIANA LAKES Warsaw | 7.25% | 6.25% |
| 83 | A H E PLANT 3 WINCHESTER | 7.25% | 6.25% |
| 84 | FINANCIAL CENTER FIRST Indianapolis | 7.25% | 7.15% |
| 85 | ELEMENTS FINANCIAL INDIANAPOLIS | 7.27% | 6.13% |
| 86 | FINANCIAL BUILDERS Kokomo | 7.28% | 6.08% |
| 87 | POWER ONE Fort Wayne | 7.32% | 6.00% |
| 88 | CHIPHONE ELKHART | 7.37% | 6.27% |
| 89 | PERFECT CIRCLE Hagerstown | 7.48% | 5.70% |
| 90 | GESB SHEET METAL WORKERS PORTAGE | 7.53% | 5.19% |
| 91 | HEALTH CARE PROFESSIONALS Richmond | 7.75% | 5.40% |
| 92 | LIBERTY Evansville | 7.75% | 6.68% |
| 93 | CROSSROADS FINANCIAL Portland | 7.76% | 6.06% |
| 94 | HARVESTER FINANCIAL Indianapolis | 7.79% | 5.99% |
| 95 | STERLING UNITED EVANSVILLE | 7.85% | 8.00% |
| 96 | INDIANA HEARTLAND KOKOMO | 7.91% | 5.67% |
| 97 | HERITAGE Newburgh | 7.92% | 6.46% |
| 98 | FIRE POLICE CITY COUNTY FORT WAYNE | 7.96% | 5.94% |
| 99 | GREAT HORIZONS Munster | 7.98% | 7.19% |
| 100 | CLIFTY CREEK EMPLOYEES Madison | 7.99% | 4.75% |
| 101 | COMMUNITY LINK HUNTINGTON | 7.99% | 7.99% |
| 102 | PROFINANCE Merrillville | 8.00% | 6.88% |
| 103 | MT ZION INDIANAPOLIS Indianapolis | 8.00% | 7.00% |
| 104 | NATCO RICHMOND | 8.07% | 6.57% |
| 105 | HOOSIER HILLS Bedford | 8.25% | 6.23% |
| 106 | LAMPCO ANDERSON | 8.33% | 6.11% |
| 107 | DIAMOND VALLEY Evansville | 8.42% | 6.29% |
| 108 | INTERRA Goshen | 8.46% | 6.39% |
| 109 | ENCOMPASS Tipton | 8.69% | 5.53% |
| 110 | HOMETOWN Peru | 8.72% | 5.35% |
| 111 | EVERWISE South Bend | 8.75% | 2.39% |
| 112 | SOUTH BEND TRANSIT South Bend | 8.75% | 7.64% |
| 113 | GRAND HERITAGE LAPORTE | 8.99% | 6.29% |
| 114 | THREE RIVERS FORT WAYNE | 8.99% | 6.39% |
| 115 | MARTIN COUNTY COOPERATIVE loogootee | 9.01% | 6.50% |
| 116 | WESTERN INDIANA CREDIT UNION Sullivan | 9.25% | 5.24% |
| 117 | COMMUNITYWIDE South Bend | 9.64% | 7.99% |
| 118 | FINANCIAL HEALTH Indianapolis | 10.00% | 5.00% |
| 119 | BATTERY EMPLOYEES Attica | 12.00% | — |
| 120 | MADISON COUNTY Anderson | 12.01% | 10.91% |
Most community credit unions in Indiana 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.