Auto Loans · Madison, Indiana
2 credit unions in Madison report car loan rates to the NCUA. Rates range from 4.26% to 4.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.26%
Lowest New Car Rate
4.51%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | JEFFERSON COMMUNITY ★ 3.7 · 13 reviews | 4.26% | 4.82% |
| 2 | CLIFTY CREEK EMPLOYEES ★ 5.0 · 3 reviews | 4.75% | 7.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | JEFFERSON COMMUNITY ★ 3.7 · 13 reviews | 4.82% | 4.26% |
| 2 | CLIFTY CREEK EMPLOYEES ★ 5.0 · 3 reviews | 7.99% | 4.75% |
A pre-approval from a Madison 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 Madison in the same window and take the best offer.
See member reviews, branch locations, and full rate details.