Auto Loans · Topeka, Kansas
6 credit unions in Topeka report car loan rates to the NCUA. Rates range from 5.00% to 7.74%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.74%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TOPEKA FIREMEN'S | 5.00% | 6.00% |
| 2 | ENVISTA ★ 4.6 · 158 reviews | 5.14% | 5.14% |
| 3 | EMPOWER BLUE ★ 4.9 · 7 reviews | 5.29% | 5.49% |
| 4 | 1ST KANSAS ★ 5.0 · 4 reviews | 5.49% | 6.99% |
| 5 | AZURA ★ 3.4 · 58 reviews | 5.75% | 5.75% |
| 6 | TOPEKA POLICE ★ 3.0 · 6 reviews | 7.74% | 7.99% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ENVISTA ★ 4.6 · 158 reviews | 5.14% | 5.14% |
| 2 | EMPOWER BLUE ★ 4.9 · 7 reviews | 5.49% | 5.29% |
| 3 | AZURA ★ 3.4 · 58 reviews | 5.75% | 5.75% |
| 4 | TOPEKA FIREMEN'S | 6.00% | 5.00% |
| 5 | 1ST KANSAS ★ 5.0 · 4 reviews | 6.99% | 5.49% |
| 6 | TOPEKA POLICE ★ 3.0 · 6 reviews | 7.99% | 7.74% |
A pre-approval from a Topeka 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 Topeka in the same window and take the best offer.
See member reviews, branch locations, and full rate details.