Auto Loans · Omaha, Nebraska
19 credit unions in Omaha report car loan rates to the NCUA. Rates range from 2.79% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
19
CUs Reporting Rates
2.79%
Lowest New Car Rate
5.21%
City Average Rate
19 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FOUR POINTS ★ 4.4 · 82 reviews | 2.79% | 6.25% |
| 2 | U.P. CONNECTION ★ 3.8 · 16 reviews | 3.99% | 3.49% |
| 3 | FIRST NEBRASKA ★ 4.4 · 178 reviews | 4.56% | 6.99% |
| 4 | ROBERTS DAIRY EMPLOYEES ★ 5.0 · 3 reviews | 4.63% | 7.76% |
| 5 | UNION PACIFIC STREAMLINER ★ 3.7 · 6 reviews | 4.65% | 4.80% |
| 6 | NEIGHBORHOOD COMMUNITY ★ 4.1 · 14 reviews | 4.85% | 6.10% |
| 7 | OMAHA FIREFIGHTERS ★ 3.1 · 17 reviews | 4.88% | 5.72% |
| 8 | OMAHA POLICE ★ 4.4 · 27 reviews | 4.92% | 6.02% |
| 9 | ELECTRICAL WORKERS NO 22 ★ 4.3 · 6 reviews | 5.00% | 7.00% |
| 10 | OMAHA ★ 4.6 · 67 reviews | 5.04% | 6.69% |
| 11 | OMAHA PUBLIC POWER DIST EMP ★ 5.0 · 1 reviews | 5.10% | 6.00% |
| 12 | METRO CU ★ 4.4 · 177 reviews | 5.15% | 5.88% |
| 13 | OMAHA DOUGLAS ★ 3.7 · 19 reviews | 5.25% | 5.75% |
| 14 | MUTUAL FIRST ★ 3.5 · 40 reviews | 5.49% | 6.49% |
| 15 | GALLUP ★ 3.9 · 9 reviews | 6.12% | 6.31% |
| 16 | WOODMEN | 6.24% | 6.49% |
| 17 | FAMILY FOCUS ★ 4.2 · 25 reviews | 6.31% | 7.93% |
| 18 | OUR FAMILY SOCIAL | 6.99% | 9.99% |
| 19 | CENTRIS ★ 3.8 · 64 reviews | 6.99% | 7.49% |
19 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U.P. CONNECTION ★ 3.8 · 16 reviews | 3.49% | 3.99% |
| 2 | UNION PACIFIC STREAMLINER ★ 3.7 · 6 reviews | 4.80% | 4.65% |
| 3 | OMAHA FIREFIGHTERS ★ 3.1 · 17 reviews | 5.72% | 4.88% |
| 4 | OMAHA DOUGLAS ★ 3.7 · 19 reviews | 5.75% | 5.25% |
| 5 | METRO CU ★ 4.4 · 177 reviews | 5.88% | 5.15% |
| 6 | OMAHA PUBLIC POWER DIST EMP ★ 5.0 · 1 reviews | 6.00% | 5.10% |
| 7 | OMAHA POLICE ★ 4.4 · 27 reviews | 6.02% | 4.92% |
| 8 | NEIGHBORHOOD COMMUNITY ★ 4.1 · 14 reviews | 6.10% | 4.85% |
| 9 | FOUR POINTS ★ 4.4 · 82 reviews | 6.25% | 2.79% |
| 10 | GALLUP ★ 3.9 · 9 reviews | 6.31% | 6.12% |
| 11 | MUTUAL FIRST ★ 3.5 · 40 reviews | 6.49% | 5.49% |
| 12 | WOODMEN | 6.49% | 6.24% |
| 13 | OMAHA ★ 4.6 · 67 reviews | 6.69% | 5.04% |
| 14 | FIRST NEBRASKA ★ 4.4 · 178 reviews | 6.99% | 4.56% |
| 15 | ELECTRICAL WORKERS NO 22 ★ 4.3 · 6 reviews | 7.00% | 5.00% |
| 16 | CENTRIS ★ 3.8 · 64 reviews | 7.49% | 6.99% |
| 17 | ROBERTS DAIRY EMPLOYEES ★ 5.0 · 3 reviews | 7.76% | 4.63% |
| 18 | FAMILY FOCUS ★ 4.2 · 25 reviews | 7.93% | 6.31% |
| 19 | OUR FAMILY SOCIAL | 9.99% | 6.99% |
A pre-approval from a Omaha 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 Omaha in the same window and take the best offer.
See member reviews, branch locations, and full rate details.