Auto Loans · Elkhart, Indiana
2 credit unions in Elkhart report car loan rates to the NCUA. Rates range from 3.00% to 6.27%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.00%
Lowest New Car Rate
4.64%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | INOVA ★ 4.9 · 3,083 reviews | 3.00% | 6.25% |
| 2 | CHIPHONE ★ 3.5 · 34 reviews | 6.27% | 7.37% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | INOVA ★ 4.9 · 3,083 reviews | 6.25% | 3.00% |
| 2 | CHIPHONE ★ 3.5 · 34 reviews | 7.37% | 6.27% |
A pre-approval from a Elkhart 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 Elkhart in the same window and take the best offer.
See member reviews, branch locations, and full rate details.