Auto Loans · Mason City, Iowa
5 credit unions in Mason City report car loan rates to the NCUA. Rates range from 3.99% to 7.15%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.53%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CENT ★ 4.5 · 86 reviews | 3.99% | 4.99% |
| 2 | ACE ★ 3.9 · 8 reviews | 4.75% | 5.50% |
| 3 | GAS & ELECTRIC EMPLOYEES ★ 3.7 · 149 reviews | 5.34% | 7.39% |
| 4 | NORTH IOWA COMMUNITY ★ 4.4 · 110 reviews | 6.41% | 7.71% |
| 5 | IOWA HEARTLAND ★ 3.6 · 17 reviews | 7.15% | 7.44% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CENT ★ 4.5 · 86 reviews | 4.99% | 3.99% |
| 2 | ACE ★ 3.9 · 8 reviews | 5.50% | 4.75% |
| 3 | GAS & ELECTRIC EMPLOYEES ★ 3.7 · 149 reviews | 7.39% | 5.34% |
| 4 | IOWA HEARTLAND ★ 3.6 · 17 reviews | 7.44% | 7.15% |
| 5 | NORTH IOWA COMMUNITY ★ 4.4 · 110 reviews | 7.71% | 6.41% |
A pre-approval from a Mason City 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 Mason City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.