Auto Loans · Muncie, Indiana
4 credit unions in Muncie report car loan rates to the NCUA. Rates range from 5.16% to 5.32%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.16%
Lowest New Car Rate
5.25%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | THRIVE ★ 4.6 · 61 reviews | 5.16% | 6.37% |
| 2 | FIRST COUNTY ★ 4.3 · 19 reviews | 5.25% | 5.99% |
| 3 | PRIMETRUST FINANCIAL ★ 4.2 · 105 reviews | 5.26% | 6.60% |
| 4 | DEL MET ★ 4.2 · 5 reviews | 5.32% | 5.44% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DEL MET ★ 4.2 · 5 reviews | 5.44% | 5.32% |
| 2 | FIRST COUNTY ★ 4.3 · 19 reviews | 5.99% | 5.25% |
| 3 | THRIVE ★ 4.6 · 61 reviews | 6.37% | 5.16% |
| 4 | PRIMETRUST FINANCIAL ★ 4.2 · 105 reviews | 6.60% | 5.26% |
A pre-approval from a Muncie 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 Muncie in the same window and take the best offer.
See member reviews, branch locations, and full rate details.