Auto Loans · Lees Summit, Missouri
2 credit unions in Lees Summit report car loan rates to the NCUA. Rates range from 3.90% to 8.63%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.90%
Lowest New Car Rate
6.27%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SUMMIT RIDGE ★ 4.0 · 12 reviews | 3.90% | 3.90% |
| 2 | MISSOURI CENTRAL ★ 3.8 · 37 reviews | 8.63% | 7.57% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SUMMIT RIDGE ★ 4.0 · 12 reviews | 3.90% | 3.90% |
| 2 | MISSOURI CENTRAL ★ 3.8 · 37 reviews | 7.57% | 8.63% |
A pre-approval from a Lees Summit 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 Lees Summit in the same window and take the best offer.
See member reviews, branch locations, and full rate details.