Auto Loans · Cedar Falls, Iowa
2 credit unions in Cedar Falls report car loan rates to the NCUA. Rates range from 5.12% to 5.90%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.12%
Lowest New Car Rate
5.51%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNITE ★ 4.7 · 15 reviews | 5.12% | 7.01% |
| 2 | CEDAR FALLS COMMUNITY ★ 3.9 · 29 reviews | 5.90% | 6.95% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CEDAR FALLS COMMUNITY ★ 3.9 · 29 reviews | 6.95% | 5.90% |
| 2 | UNITE ★ 4.7 · 15 reviews | 7.01% | 5.12% |
A pre-approval from a Cedar Falls 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 Cedar Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.