Auto Loans · Owensboro, Kentucky
4 credit unions in Owensboro report car loan rates to the NCUA. Rates range from 4.50% to 6.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.58%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OWENSBORO ★ 3.8 · 16 reviews | 4.50% | 4.75% |
| 2 | AUDUBON ★ 4.5 · 17 reviews | 5.50% | 6.26% |
| 3 | GREEN RIVER AREA ★ 4.2 · 19 reviews | 5.58% | 7.06% |
| 4 | DAVIESS COUNTY TEACHERS ★ 4.8 · 23 reviews | 6.75% | 9.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OWENSBORO ★ 3.8 · 16 reviews | 4.75% | 4.50% |
| 2 | AUDUBON ★ 4.5 · 17 reviews | 6.26% | 5.50% |
| 3 | GREEN RIVER AREA ★ 4.2 · 19 reviews | 7.06% | 5.58% |
| 4 | DAVIESS COUNTY TEACHERS ★ 4.8 · 23 reviews | 9.00% | 6.75% |
A pre-approval from a Owensboro 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 Owensboro in the same window and take the best offer.
See member reviews, branch locations, and full rate details.