Auto Loans · Lexington, Kentucky
7 credit unions in Lexington report car loan rates to the NCUA. Rates range from 1.99% to 7.79%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
1.99%
Lowest New Car Rate
5.13%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MEMBERS HERITAGE ★ 3.2 · 33 reviews | 1.99% | 1.99% |
| 2 | THE HEALTH & EDUCATION ★ 3.8 · 20 reviews | 3.99% | 3.99% |
| 3 | LEXINGTON POSTAL COMMUNITY ★ 3.9 · 14 reviews | 4.75% | 4.75% |
| 4 | KUE ★ 3.5 · 11 reviews | 4.88% | 5.89% |
| 5 | GREATER KENTUCKY CU, INC. ★ 4.0 · 87 reviews | 5.83% | 6.21% |
| 6 | UNIVERSITY OF KENTUCKY ★ 4.0 · 548 reviews | 6.65% | 6.85% |
| 7 | METRO PLUS ★ 4.2 · 22 reviews | 7.79% | 8.29% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MEMBERS HERITAGE ★ 3.2 · 33 reviews | 1.99% | 1.99% |
| 2 | THE HEALTH & EDUCATION ★ 3.8 · 20 reviews | 3.99% | 3.99% |
| 3 | LEXINGTON POSTAL COMMUNITY ★ 3.9 · 14 reviews | 4.75% | 4.75% |
| 4 | KUE ★ 3.5 · 11 reviews | 5.89% | 4.88% |
| 5 | GREATER KENTUCKY CU, INC. ★ 4.0 · 87 reviews | 6.21% | 5.83% |
| 6 | UNIVERSITY OF KENTUCKY ★ 4.0 · 548 reviews | 6.85% | 6.65% |
| 7 | METRO PLUS ★ 4.2 · 22 reviews | 8.29% | 7.79% |
A pre-approval from a Lexington 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 Lexington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.