Auto Loans · Louisiana
127 credit unions in Louisiana report car loan rates to the NCUA. Rates range from 2.49% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
127
CUs Reporting Rates
2.49%
Lowest New Car Rate
6.02%
State Average Rate
64
Cities Covered
127 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTHERN TEACHERS & PARENTS BATON ROUGE | 2.49% | 7.25% |
| 2 | ANECA Shreveport | 3.08% | 5.00% |
| 3 | VERMILION EMPLOYEES Abbeville | 3.18% | 4.90% |
| 4 | ST. BERNARD PARISH SCHOOL BOARD EMP CHALMETTE | 3.50% | 5.00% |
| 5 | EPIC Metairie | 3.79% | 3.99% |
| 6 | TANGIPAHOA PARISH TEACHERS AMITE | 3.90% | 7.90% |
| 7 | UNIVERSITY OF LOUISIANA Lafayette | 3.99% | 6.59% |
| 8 | RAPIDES ALEXANDRIA | 4.00% | 4.25% |
| 9 | ACADIANA MEDICAL Lafayette | 4.00% | 4.00% |
| 10 | IMMACULATE HEART OF MARY Lafayette | 4.00% | 3.50% |
| 11 | CALCASIEU TEACHERS AND EMPLOYEES Lake Charles | 4.04% | 5.70% |
| 12 | NODA SLIDELL | 4.27% | 6.42% |
| 13 | RIVERLAND NEW ORLEANS | 4.38% | 5.45% |
| 14 | UNO NEW ORLEANS | 4.49% | 4.49% |
| 15 | TULANE/LOYOLA New Orleans | 4.49% | 4.49% |
| 16 | STATE AGENCIES SHREVEPORT | 4.49% | 5.49% |
| 17 | INTERNAL REVENUE New Orleans | 4.50% | 5.50% |
| 18 | ALEXANDRIA T & P ALEXANDRIA | 4.53% | 5.54% |
| 19 | ACADIAN Lafayette | 4.59% | 7.67% |
| 20 | FEDERAL EMPLOYEES MONROE | 4.70% | 5.70% |
| 21 | WYMAR GEISMAR | 4.74% | 5.24% |
| 22 | WESLA Shreveport | 4.79% | 5.51% |
| 23 | CABOT EMPLOYEES FRANKLIN | 4.85% | 6.18% |
| 24 | BATON ROUGE CITY PARISH EMP BATON ROUGE | 4.92% | 5.09% |
| 25 | PROFESSIONAL FIRE FIGHTERS SHREVEPORT | 4.98% | 6.25% |
| 26 | P.H.I. Lafayette | 4.99% | 4.99% |
| 27 | SEWERAGE & WATER BOARD EMPLOYEES New Orleans | 4.99% | 8.50% |
| 28 | T E A Houma | 5.00% | 8.00% |
| 29 | JAMES WARD, JR. JENNINGS | 5.00% | 7.00% |
| 30 | RICHLAND PARISH SCHOOLS Rayville | 5.00% | — |
| 31 | BEAUREGARD SCHOOL EMPLOYEES DERIDDER | 5.00% | 6.25% |
| 32 | KRAFTMAN Bastrop | 5.00% | 6.00% |
| 33 | G. C. A. LAKE CHARLES | 5.00% | 9.00% |
| 34 | GEISMAR COMPLEX Geismar | 5.01% | 5.31% |
| 35 | COGIC Lafayette | 5.05% | 12.00% |
| 36 | RAPIDES GENERAL HOSPITAL EMPL ALEXANDRIA | 5.10% | 5.50% |
| 37 | LES BATON ROUGE | 5.10% | 6.35% |
| 38 | BARTON PLANT EMPLOYEES Luling | 5.11% | 6.14% |
| 39 | CALCASIEU PARISH EMPLOYEES Lake Charles | 5.14% | 7.83% |
| 40 | MAPLE Lafayette | 5.15% | 5.60% |
| 41 | TOTAL CHOICE Hahnville | 5.15% | 6.17% |
| 42 | C-F LA. DONALDSONVILLE | 5.15% | 6.62% |
| 43 | DISTRICT 62 HIGHWAY HAMMOND | 5.15% | 7.93% |
| 44 | PAN AMOCO METAIRIE | 5.16% | 7.12% |
| 45 | SEVENFOLD West Monroe | 5.17% | 6.92% |
| 46 | S H P E GREENSBURG | 5.19% | 5.75% |
| 47 | SHREVEPORT POLICE SHREVEPORT | 5.24% | 6.18% |
| 48 | WASHINGTON EDUCATIONAL ASSOC FRANKLINTON | 5.25% | 7.81% |
| 49 | 3RD DISTRICT HIGHWAY Lafayette | 5.25% | 5.50% |
| 50 | POST OFFICE EMPLOYEES' METAIRIE | 5.26% | 6.19% |
| 51 | ALEXANDRIA MUNICIPAL EMPLOYEES Alexandria | 5.34% | 5.94% |
| 52 | XPLORE Metairie | 5.39% | 6.52% |
| 53 | CENLA Alexandria | 5.39% | 5.28% |
| 54 | LIVINGSTON PARISH DENHAM SPRINGS | 5.40% | 7.20% |
| 55 | FIRST PIONEERS LAFAYETTE | 5.42% | 7.29% |
| 56 | HEART OF LOUISIANA PINEVILLE | 5.49% | 6.79% |
| 57 | JUDICIAL & JUSTICE New Orleans | 5.50% | 6.50% |
| 58 | MERITUS LAFAYETTE | 5.50% | 7.12% |
| 59 | FLEUR-DE-LIS Metairie | 5.51% | 7.31% |
| 60 | ST. TAMMANY SLIDELL | 5.52% | 7.72% |
| 61 | BATON ROUGE FIRE DEPARTMENT Baton Rouge | 5.54% | 6.88% |
| 62 | NEIGHBORS BATON ROUGE | 5.59% | 5.59% |
| 63 | RIVER REGION LUTCHER | 5.63% | 6.05% |
| 64 | EAGLE LOUISIANA Baton Rouge | 5.64% | 5.49% |
| 65 | XAVIER UNIVERSITY New Orleans | 5.67% | 5.87% |
| 66 | THE NEW ORLEANS FIREMEN'S Metairie | 5.67% | 7.13% |
| 67 | BAYOU COMMUNITY Saint Gabriel | 5.73% | 7.25% |
| 68 | CUSA Covington | 5.74% | 6.05% |
| 69 | LOUISIANA BAPTIST alexandria | 5.75% | 6.52% |
| 70 | LOUISIANA MACHINERY EMPLOYEES Monroe | 5.75% | 6.75% |
| 71 | FIRST STREET DERIDDER | 5.75% | 7.00% |
| 72 | LOUISIANA CATHOLIC Shreveport | 5.80% | 6.78% |
| 73 | JEFFERSON PARISH EMPLOYEES HARAHAN | 5.80% | 6.80% |
| 74 | LA CAPITOL Baton Rouge | 5.86% | 8.19% |
| 75 | OUACHITA VALLEY West Monroe | 5.99% | 5.99% |
| 76 | OLD SPANISH TRAIL WESTLAKE | 6.00% | 7.00% |
| 77 | 705 Lafayette | 6.11% | 7.56% |
| 78 | MORGAN CITY MORGAN CITY | 6.11% | 8.07% |
| 79 | DEPARTMENT OF CORRECTIONS Baton Rouge | 6.12% | 6.12% |
| 80 | N.O. PORT COMMISSION EMPLOYEES New Orleans | 6.12% | 8.40% |
| 81 | ASCENSION GONZALES | 6.15% | 7.23% |
| 82 | INSTEP New Orleans | 6.17% | 7.81% |
| 83 | VALEX Alexandria | 6.21% | 7.35% |
| 84 | ENGAGE NATCHITOCHES | 6.23% | 8.21% |
| 85 | BAYOU BATON ROUGE | 6.23% | 6.65% |
| 86 | FELICIANA ZACHARY | 6.32% | 7.70% |
| 87 | BATON ROUGE TELCO Baton Rouge | 6.34% | 6.65% |
| 88 | GP LOUISIANA ZACHARY | 6.35% | 7.94% |
| 89 | ELECTRICAL WORKERS LOCAL 130 METAIRIE | 6.38% | 7.53% |
| 90 | CAMPUS Baton Rouge | 6.39% | 6.14% |
| 91 | BOSSIER BOSSIER CITY | 6.41% | 7.38% |
| 92 | ZELLCO BOGALUSA | 6.42% | 7.56% |
| 93 | CARTER SPRINGHILL | 6.42% | 6.69% |
| 94 | LA TERRE HOUMA | 6.45% | 6.76% |
| 95 | CADDO PARISH TEACHERS SHREVEPORT | 6.49% | 6.49% |
| 96 | POST OFFICE EMPLOYEES Shreveport | 6.51% | 8.81% |
| 97 | FORMATION Baton Rouge | 6.51% | 6.94% |
| 98 | COAST GUARD EMPLOYEES New Orleans | 6.70% | 4.00% |
| 99 | WILLIS KNIGHTON SHREVEPORT | 6.75% | 6.75% |
| 100 | CENTRIC West Monroe | 6.76% | 8.64% |
| 101 | SABINE SCHOOL EMPLOYEES MANY | 6.80% | 7.50% |
| 102 | DAVISON EMPLOYEES SULPHUR | 6.93% | 9.88% |
| 103 | EFCU FINANCIAL Baton Rouge | 6.99% | 6.99% |
| 104 | G G W New Orleans | 7.00% | 9.00% |
| 105 | NEW ORLEANS CLERK & CHECKERS METAIRIE | 7.00% | 9.50% |
| 106 | NEW ORLEANS PUBLIC BELT RAILROAD NEW ORLEANS | 7.00% | 7.00% |
| 107 | ONPATH Metairie | 7.04% | 8.43% |
| 108 | CSE Lake Charles | 7.23% | 7.66% |
| 109 | ACCESS OF LOUISIANA Lake Charles | 7.25% | 7.70% |
| 110 | BRECO Baton Rouge | 7.29% | 7.49% |
| 111 | BARKSDALE BARKSDALE AFB | 7.38% | 8.64% |
| 112 | ESSENTIAL Baton Rouge | 7.42% | 7.85% |
| 113 | W B R T Port Allen | 7.50% | 14.50% |
| 114 | DISTRICT 58 Chase | 7.50% | 8.50% |
| 115 | PELICAN Baton Rouge | 7.63% | 8.05% |
| 116 | S T S P Lacombe | 7.65% | 9.21% |
| 117 | MONTELL Sulphur | 8.00% | 8.00% |
| 118 | EAST BATON ROUGE TEACHERS Baton Rouge | 8.00% | 9.00% |
| 119 | CONCORDIA PARISH SCHOOL EMP FERRIDAY | 8.00% | 9.00% |
| 120 | IBERVILLE PLAQUEMINE | 9.00% | 8.50% |
| 121 | SOUTHEAST LOUISIANA VETERANS HEALTH New Orleans | 9.50% | 10.50% |
| 122 | DISTRICT 08 ALEXANDRIA | 9.73% | 10.54% |
| 123 | LOUISIANA CENTRAL HARAHAN | 9.89% | 6.89% |
| 124 | U B C SOUTHERN COUNCIL INDUSTRIA WO MINDEN | 10.99% | 11.89% |
| 125 | SOUTHWEST LOUISIANA Lake Charles | 11.55% | 11.55% |
| 126 | ARABI SUGAR WORKERS New Orleans | 15.00% | 7.00% |
| 127 | PEOPLE'S RAYNE | 18.00% | 18.00% |
128 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | IMMACULATE HEART OF MARY Lafayette | 3.50% | 4.00% |
| 2 | EPIC Metairie | 3.99% | 3.79% |
| 3 | ACADIANA MEDICAL Lafayette | 4.00% | 4.00% |
| 4 | COAST GUARD EMPLOYEES New Orleans | 4.00% | 6.70% |
| 5 | RAPIDES ALEXANDRIA | 4.25% | 4.00% |
| 6 | UNO NEW ORLEANS | 4.49% | 4.49% |
| 7 | TULANE/LOYOLA New Orleans | 4.49% | 4.49% |
| 8 | VERMILION EMPLOYEES Abbeville | 4.90% | 3.18% |
| 9 | P.H.I. Lafayette | 4.99% | 4.99% |
| 10 | ANECA Shreveport | 5.00% | 3.08% |
| 11 | ST. BERNARD PARISH SCHOOL BOARD EMP CHALMETTE | 5.00% | 3.50% |
| 12 | BATON ROUGE CITY PARISH EMP BATON ROUGE | 5.09% | 4.92% |
| 13 | WYMAR GEISMAR | 5.24% | 4.74% |
| 14 | CENLA Alexandria | 5.28% | 5.39% |
| 15 | GEISMAR COMPLEX Geismar | 5.31% | 5.01% |
| 16 | RIVERLAND NEW ORLEANS | 5.45% | 4.38% |
| 17 | STATE AGENCIES SHREVEPORT | 5.49% | 4.49% |
| 18 | EAGLE LOUISIANA Baton Rouge | 5.49% | 5.64% |
| 19 | INTERNAL REVENUE New Orleans | 5.50% | 4.50% |
| 20 | RAPIDES GENERAL HOSPITAL EMPL ALEXANDRIA | 5.50% | 5.10% |
| 21 | 3RD DISTRICT HIGHWAY Lafayette | 5.50% | 5.25% |
| 22 | WESLA Shreveport | 5.51% | 4.79% |
| 23 | ALEXANDRIA T & P ALEXANDRIA | 5.54% | 4.53% |
| 24 | NEIGHBORS BATON ROUGE | 5.59% | 5.59% |
| 25 | MAPLE Lafayette | 5.60% | 5.15% |
| 26 | CALCASIEU TEACHERS AND EMPLOYEES Lake Charles | 5.70% | 4.04% |
| 27 | FEDERAL EMPLOYEES MONROE | 5.70% | 4.70% |
| 28 | S H P E GREENSBURG | 5.75% | 5.19% |
| 29 | XAVIER UNIVERSITY New Orleans | 5.87% | 5.67% |
| 30 | ALEXANDRIA MUNICIPAL EMPLOYEES Alexandria | 5.94% | 5.34% |
| 31 | OUACHITA VALLEY West Monroe | 5.99% | 5.99% |
| 32 | KRAFTMAN Bastrop | 6.00% | 5.00% |
| 33 | RIVER REGION LUTCHER | 6.05% | 5.63% |
| 34 | CUSA Covington | 6.05% | 5.74% |
| 35 | DEPARTMENT OF CORRECTIONS Baton Rouge | 6.12% | 6.12% |
| 36 | BARTON PLANT EMPLOYEES Luling | 6.14% | 5.11% |
| 37 | CAMPUS Baton Rouge | 6.14% | 6.39% |
| 38 | TOTAL CHOICE Hahnville | 6.17% | 5.15% |
| 39 | CABOT EMPLOYEES FRANKLIN | 6.18% | 4.85% |
| 40 | SHREVEPORT POLICE SHREVEPORT | 6.18% | 5.24% |
| 41 | POST OFFICE EMPLOYEES' METAIRIE | 6.19% | 5.26% |
| 42 | PROFESSIONAL FIRE FIGHTERS SHREVEPORT | 6.25% | 4.98% |
| 43 | BEAUREGARD SCHOOL EMPLOYEES DERIDDER | 6.25% | 5.00% |
| 44 | LES BATON ROUGE | 6.35% | 5.10% |
| 45 | NODA SLIDELL | 6.42% | 4.27% |
| 46 | CADDO PARISH TEACHERS SHREVEPORT | 6.49% | 6.49% |
| 47 | JUDICIAL & JUSTICE New Orleans | 6.50% | 5.50% |
| 48 | XPLORE Metairie | 6.52% | 5.39% |
| 49 | LOUISIANA BAPTIST alexandria | 6.52% | 5.75% |
| 50 | UNIVERSITY OF LOUISIANA Lafayette | 6.59% | 3.99% |
| 51 | C-F LA. DONALDSONVILLE | 6.62% | 5.15% |
| 52 | BAYOU BATON ROUGE | 6.65% | 6.23% |
| 53 | BATON ROUGE TELCO Baton Rouge | 6.65% | 6.34% |
| 54 | CARTER SPRINGHILL | 6.69% | 6.42% |
| 55 | LOUISIANA MACHINERY EMPLOYEES Monroe | 6.75% | 5.75% |
| 56 | WILLIS KNIGHTON SHREVEPORT | 6.75% | 6.75% |
| 57 | LA TERRE HOUMA | 6.76% | 6.45% |
| 58 | LOUISIANA CATHOLIC Shreveport | 6.78% | 5.80% |
| 59 | HEART OF LOUISIANA PINEVILLE | 6.79% | 5.49% |
| 60 | JEFFERSON PARISH EMPLOYEES HARAHAN | 6.80% | 5.80% |
| 61 | BATON ROUGE FIRE DEPARTMENT Baton Rouge | 6.88% | 5.54% |
| 62 | LOUISIANA CENTRAL HARAHAN | 6.89% | 9.89% |
| 63 | SEVENFOLD West Monroe | 6.92% | 5.17% |
| 64 | FORMATION Baton Rouge | 6.94% | 6.51% |
| 65 | EFCU FINANCIAL Baton Rouge | 6.99% | 6.99% |
| 66 | JAMES WARD, JR. JENNINGS | 7.00% | 5.00% |
| 67 | FIRST STREET DERIDDER | 7.00% | 5.75% |
| 68 | OLD SPANISH TRAIL WESTLAKE | 7.00% | 6.00% |
| 69 | NEW ORLEANS PUBLIC BELT RAILROAD NEW ORLEANS | 7.00% | 7.00% |
| 70 | ARABI SUGAR WORKERS New Orleans | 7.00% | 15.00% |
| 71 | PAN AMOCO METAIRIE | 7.12% | 5.16% |
| 72 | MERITUS LAFAYETTE | 7.12% | 5.50% |
| 73 | THE NEW ORLEANS FIREMEN'S Metairie | 7.13% | 5.67% |
| 74 | LIVINGSTON PARISH DENHAM SPRINGS | 7.20% | 5.40% |
| 75 | ASCENSION GONZALES | 7.23% | 6.15% |
| 76 | SOUTHERN TEACHERS & PARENTS BATON ROUGE | 7.25% | 2.49% |
| 77 | BAYOU COMMUNITY Saint Gabriel | 7.25% | 5.73% |
| 78 | FIRST PIONEERS LAFAYETTE | 7.29% | 5.42% |
| 79 | FLEUR-DE-LIS Metairie | 7.31% | 5.51% |
| 80 | VALEX Alexandria | 7.35% | 6.21% |
| 81 | BOSSIER BOSSIER CITY | 7.38% | 6.41% |
| 82 | BRECO Baton Rouge | 7.49% | 7.29% |
| 83 | SABINE SCHOOL EMPLOYEES MANY | 7.50% | 6.80% |
| 84 | ELECTRICAL WORKERS LOCAL 130 METAIRIE | 7.53% | 6.38% |
| 85 | 705 Lafayette | 7.56% | 6.11% |
| 86 | ZELLCO BOGALUSA | 7.56% | 6.42% |
| 87 | CSE Lake Charles | 7.66% | 7.23% |
| 88 | ACADIAN Lafayette | 7.67% | 4.59% |
| 89 | FELICIANA ZACHARY | 7.70% | 6.32% |
| 90 | ACCESS OF LOUISIANA Lake Charles | 7.70% | 7.25% |
| 91 | ST. TAMMANY SLIDELL | 7.72% | 5.52% |
| 92 | WASHINGTON EDUCATIONAL ASSOC FRANKLINTON | 7.81% | 5.25% |
| 93 | INSTEP New Orleans | 7.81% | 6.17% |
| 94 | CALCASIEU PARISH EMPLOYEES Lake Charles | 7.83% | 5.14% |
| 95 | ESSENTIAL Baton Rouge | 7.85% | 7.42% |
| 96 | TANGIPAHOA PARISH TEACHERS AMITE | 7.90% | 3.90% |
| 97 | DISTRICT 62 HIGHWAY HAMMOND | 7.93% | 5.15% |
| 98 | GP LOUISIANA ZACHARY | 7.94% | 6.35% |
| 99 | T E A Houma | 8.00% | 5.00% |
| 100 | MONTELL Sulphur | 8.00% | 8.00% |
| 101 | UNION Farmerville | 8.00% | — |
| 102 | PELICAN Baton Rouge | 8.05% | 7.63% |
| 103 | MORGAN CITY MORGAN CITY | 8.07% | 6.11% |
| 104 | LA CAPITOL Baton Rouge | 8.19% | 5.86% |
| 105 | ENGAGE NATCHITOCHES | 8.21% | 6.23% |
| 106 | N.O. PORT COMMISSION EMPLOYEES New Orleans | 8.40% | 6.12% |
| 107 | ONPATH Metairie | 8.43% | 7.04% |
| 108 | SEWERAGE & WATER BOARD EMPLOYEES New Orleans | 8.50% | 4.99% |
| 109 | DISTRICT 58 Chase | 8.50% | 7.50% |
| 110 | IBERVILLE PLAQUEMINE | 8.50% | 9.00% |
| 111 | CENTRIC West Monroe | 8.64% | 6.76% |
| 112 | BARKSDALE BARKSDALE AFB | 8.64% | 7.38% |
| 113 | POST OFFICE EMPLOYEES Shreveport | 8.81% | 6.51% |
| 114 | G. C. A. LAKE CHARLES | 9.00% | 5.00% |
| 115 | G G W New Orleans | 9.00% | 7.00% |
| 116 | EAST BATON ROUGE TEACHERS Baton Rouge | 9.00% | 8.00% |
| 117 | CONCORDIA PARISH SCHOOL EMP FERRIDAY | 9.00% | 8.00% |
| 118 | S T S P Lacombe | 9.21% | 7.65% |
| 119 | NEW ORLEANS CLERK & CHECKERS METAIRIE | 9.50% | 7.00% |
| 120 | DAVISON EMPLOYEES SULPHUR | 9.88% | 6.93% |
| 121 | FOURTH WARD amite | 10.00% | — |
| 122 | SOUTHEAST LOUISIANA VETERANS HEALTH New Orleans | 10.50% | 9.50% |
| 123 | DISTRICT 08 ALEXANDRIA | 10.54% | 9.73% |
| 124 | SOUTHWEST LOUISIANA Lake Charles | 11.55% | 11.55% |
| 125 | U B C SOUTHERN COUNCIL INDUSTRIA WO MINDEN | 11.89% | 10.99% |
| 126 | COGIC Lafayette | 12.00% | 5.05% |
| 127 | W B R T Port Allen | 14.50% | 7.50% |
| 128 | PEOPLE'S RAYNE | 18.00% | 18.00% |
Most community credit unions in Louisiana accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.