Auto Loans · Ashland, Kentucky
4 credit unions in Ashland report car loan rates to the NCUA. Rates range from 5.49% to 8.74%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.49%
Lowest New Car Rate
6.87%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | F.C.I. ASHLAND | 5.49% | 7.49% |
| 2 | ASHLAND ★ 4.2 · 82 reviews | 6.49% | 7.24% |
| 3 | MEMBERS CHOICE ★ 4.6 · 68 reviews | 6.74% | 6.74% |
| 4 | BLUEGRASS COMMUNITY ★ 4.1 · 17 reviews | 8.74% | 7.34% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MEMBERS CHOICE ★ 4.6 · 68 reviews | 6.74% | 6.74% |
| 2 | ASHLAND ★ 4.2 · 82 reviews | 7.24% | 6.49% |
| 3 | BLUEGRASS COMMUNITY ★ 4.1 · 17 reviews | 7.34% | 8.74% |
| 4 | F.C.I. ASHLAND | 7.49% | 5.49% |
A pre-approval from a Ashland 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 Ashland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.