Auto Loans · Lake Charles, Louisiana
6 credit unions in Lake Charles report car loan rates to the NCUA. Rates range from 4.04% to 11.55%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.04%
Lowest New Car Rate
6.70%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CALCASIEU TEACHERS AND EMPLOYEES ★ 5.0 · 3 reviews | 4.04% | 5.70% |
| 2 | G. C. A. ★ 4.0 · 5 reviews | 5.00% | 9.00% |
| 3 | CALCASIEU PARISH EMPLOYEES ★ 5.0 · 1 reviews | 5.14% | 7.83% |
| 4 | CSE ★ 4.3 · 233 reviews | 7.23% | 7.66% |
| 5 | ACCESS OF LOUISIANA ★ 4.8 · 5 reviews | 7.25% | 7.70% |
| 6 | SOUTHWEST LOUISIANA ★ 3.5 · 63 reviews | 11.55% | 11.55% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CALCASIEU TEACHERS AND EMPLOYEES ★ 5.0 · 3 reviews | 5.70% | 4.04% |
| 2 | CSE ★ 4.3 · 233 reviews | 7.66% | 7.23% |
| 3 | ACCESS OF LOUISIANA ★ 4.8 · 5 reviews | 7.70% | 7.25% |
| 4 | CALCASIEU PARISH EMPLOYEES ★ 5.0 · 1 reviews | 7.83% | 5.14% |
| 5 | G. C. A. ★ 4.0 · 5 reviews | 9.00% | 5.00% |
| 6 | SOUTHWEST LOUISIANA ★ 3.5 · 63 reviews | 11.55% | 11.55% |
A pre-approval from a Lake Charles 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 Lake Charles in the same window and take the best offer.
See member reviews, branch locations, and full rate details.