Auto Loans · Independence, Missouri
3 credit unions in Independence report car loan rates to the NCUA. Rates range from 4.05% to 7.49%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.05%
Lowest New Car Rate
5.69%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | INDEPENDENCE TEACHERS ★ 5.0 · 5 reviews | 4.05% | 5.51% |
| 2 | CITY ★ 4.1 · 44 reviews | 5.52% | 5.94% |
| 3 | UNITED CONSUMERS ★ 3.6 · 192 reviews | 7.49% | 8.44% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | INDEPENDENCE TEACHERS ★ 5.0 · 5 reviews | 5.51% | 4.05% |
| 2 | CITY ★ 4.1 · 44 reviews | 5.94% | 5.52% |
| 3 | UNITED CONSUMERS ★ 3.6 · 192 reviews | 8.44% | 7.49% |
A pre-approval from a Independence 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 Independence in the same window and take the best offer.
See member reviews, branch locations, and full rate details.