Auto Loans · Garden City, Kansas
2 credit unions in Garden City report car loan rates to the NCUA. Rates range from 6.82% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.82%
Lowest New Car Rate
7.41%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GARDEN CITY TEACHERS ★ 4.6 · 12 reviews | 6.82% | 9.16% |
| 2 | GOLDEN PLAINS ★ 2.9 · 40 reviews | 8.00% | 8.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GOLDEN PLAINS ★ 2.9 · 40 reviews | 8.00% | 8.00% |
| 2 | GARDEN CITY TEACHERS ★ 4.6 · 12 reviews | 9.16% | 6.82% |
A pre-approval from a Garden 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 Garden City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.