Auto Loans · Missoula, Montana
3 credit unions in Missoula report car loan rates to the NCUA. Rates range from 3.74% to 6.34%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.74%
Lowest New Car Rate
5.08%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ST. PATS EMPLOYEES | 3.74% | 4.48% |
| 2 | MONTANA EDUCATORS' ★ 4.8 · 13 reviews | 5.15% | 5.15% |
| 3 | CLEARWATER ★ 3.6 · 109 reviews | 6.34% | 7.10% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ST. PATS EMPLOYEES | 4.48% | 3.74% |
| 2 | MONTANA EDUCATORS' ★ 4.8 · 13 reviews | 5.15% | 5.15% |
| 3 | CLEARWATER ★ 3.6 · 109 reviews | 7.10% | 6.34% |
A pre-approval from a Missoula 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 Missoula in the same window and take the best offer.
See member reviews, branch locations, and full rate details.