Auto Loans · Jefferson City, Missouri
8 credit unions in Jefferson City report car loan rates to the NCUA. Rates range from 3.99% to 6.70%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.40%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CIVIC CENTRAL ★ 5.0 · 7 reviews | 3.99% | 4.25% |
| 2 | FEDCO | 4.75% | 5.00% |
| 3 | MISSOURI ELECTRIC COOPERATIVES EMPL ★ 5.0 · 7 reviews | 5.00% | 5.75% |
| 4 | CONSERVATION EMPLOYEES ★ 4.1 · 8 reviews | 5.19% | 5.12% |
| 5 | MULTIPLI ★ 4.6 · 85 reviews | 5.75% | 6.50% |
| 6 | MISSOURI BAPTIST ★ 5.0 · 11 reviews | 5.85% | 6.70% |
| 7 | J C FEDERAL EMPLOYEES ★ 3.0 · 2 reviews | 6.00% | 10.50% |
| 8 | HIGHWAY ALLIANCE ★ 5.0 · 4 reviews | 6.70% | 8.09% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CIVIC CENTRAL ★ 5.0 · 7 reviews | 4.25% | 3.99% |
| 2 | FEDCO | 5.00% | 4.75% |
| 3 | CONSERVATION EMPLOYEES ★ 4.1 · 8 reviews | 5.12% | 5.19% |
| 4 | MISSOURI ELECTRIC COOPERATIVES EMPL ★ 5.0 · 7 reviews | 5.75% | 5.00% |
| 5 | MULTIPLI ★ 4.6 · 85 reviews | 6.50% | 5.75% |
| 6 | MISSOURI BAPTIST ★ 5.0 · 11 reviews | 6.70% | 5.85% |
| 7 | HIGHWAY ALLIANCE ★ 5.0 · 4 reviews | 8.09% | 6.70% |
| 8 | J C FEDERAL EMPLOYEES ★ 3.0 · 2 reviews | 10.50% | 6.00% |
A pre-approval from a Jefferson City 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 Jefferson City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.