Auto Loans · Emporia, Kansas
2 credit unions in Emporia report car loan rates to the NCUA. Rates range from 5.13% to 6.25%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.13%
Lowest New Car Rate
5.69%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EMPORIA STATE ★ 3.8 · 17 reviews | 5.13% | 6.28% |
| 2 | CREDIT UNION OF EMPORIA ★ 4.6 · 14 reviews | 6.25% | 7.10% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EMPORIA STATE ★ 3.8 · 17 reviews | 6.28% | 5.13% |
| 2 | CREDIT UNION OF EMPORIA ★ 4.6 · 14 reviews | 7.10% | 6.25% |
A pre-approval from a Emporia 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 Emporia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.