Auto Loans · Lincoln, Nebraska
10 credit unions in Lincoln report car loan rates to the NCUA. Rates range from 4.50% to 6.89%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.36%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LINCONE ★ 4.5 · 164 reviews | 4.50% | 5.25% |
| 2 | LINCOLN PUBLIC SCHOOL EMPLOYEES ★ 5.0 · 13 reviews | 4.50% | 5.75% |
| 3 | FIRST LINCOLN ★ 4.1 · 56 reviews | 4.68% | 6.73% |
| 4 | MEMBERSOWN ★ 4.6 · 89 reviews | 4.75% | 4.75% |
| 5 | LIBERTY FIRST ★ 4.0 · 135 reviews | 4.99% | 4.99% |
| 6 | NEBRASKA STATE EMPLOYEES ★ 3.6 · 16 reviews | 5.10% | 5.25% |
| 7 | LINCOLN S.D.A. ★ 4.2 · 5 reviews | 5.70% | 8.13% |
| 8 | LOCAL 265 IBEW ★ 3.9 · 54 reviews | 6.00% | 6.00% |
| 9 | SPIRIT OF AMERICA ★ 4.6 · 28 reviews | 6.50% | 8.00% |
| 10 | UNIVERSITY OF NEBRASKA ★ 4.5 · 86 reviews | 6.89% | 9.23% |
10 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MEMBERSOWN ★ 4.6 · 89 reviews | 4.75% | 4.75% |
| 2 | LIBERTY FIRST ★ 4.0 · 135 reviews | 4.99% | 4.99% |
| 3 | LINCONE ★ 4.5 · 164 reviews | 5.25% | 4.50% |
| 4 | NEBRASKA STATE EMPLOYEES ★ 3.6 · 16 reviews | 5.25% | 5.10% |
| 5 | LINCOLN PUBLIC SCHOOL EMPLOYEES ★ 5.0 · 13 reviews | 5.75% | 4.50% |
| 6 | LOCAL 265 IBEW ★ 3.9 · 54 reviews | 6.00% | 6.00% |
| 7 | FIRST LINCOLN ★ 4.1 · 56 reviews | 6.73% | 4.68% |
| 8 | SPIRIT OF AMERICA ★ 4.6 · 28 reviews | 8.00% | 6.50% |
| 9 | LINCOLN S.D.A. ★ 4.2 · 5 reviews | 8.13% | 5.70% |
| 10 | UNIVERSITY OF NEBRASKA ★ 4.5 · 86 reviews | 9.23% | 6.89% |
A pre-approval from a Lincoln 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 Lincoln in the same window and take the best offer.
See member reviews, branch locations, and full rate details.