Auto Loans · South Bend, Indiana
5 credit unions in South Bend report car loan rates to the NCUA. Rates range from 2.39% to 7.99%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
2.39%
Lowest New Car Rate
5.50%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EVERWISE ★ 3.7 · 98 reviews | 2.39% | 8.75% |
| 2 | POLICEMEN'S ★ 4.7 · 21 reviews | 4.08% | 5.23% |
| 3 | SOUTH BEND FIREFIGHTERS ★ 4.3 · 14 reviews | 5.38% | 5.44% |
| 4 | SOUTH BEND TRANSIT ★ 5.0 · 5 reviews | 7.64% | 8.75% |
| 5 | COMMUNITYWIDE ★ 3.6 · 265 reviews | 7.99% | 9.64% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | POLICEMEN'S ★ 4.7 · 21 reviews | 5.23% | 4.08% |
| 2 | SOUTH BEND FIREFIGHTERS ★ 4.3 · 14 reviews | 5.44% | 5.38% |
| 3 | EVERWISE ★ 3.7 · 98 reviews | 8.75% | 2.39% |
| 4 | SOUTH BEND TRANSIT ★ 5.0 · 5 reviews | 8.75% | 7.64% |
| 5 | COMMUNITYWIDE ★ 3.6 · 265 reviews | 9.64% | 7.99% |
A pre-approval from a South Bend 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 South Bend in the same window and take the best offer.
See member reviews, branch locations, and full rate details.