Auto Loans · Asheville, North Carolina
2 credit unions in Asheville report car loan rates to the NCUA. Rates range from 4.49% to 5.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OTEEN V. A. ★ 4.4 · 13 reviews | 4.49% | 6.49% |
| 2 | ARCADE ★ 3.7 · 6 reviews | 5.50% | 6.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OTEEN V. A. ★ 4.4 · 13 reviews | 6.49% | 4.49% |
| 2 | ARCADE ★ 3.7 · 6 reviews | 6.50% | 5.50% |
A pre-approval from a Asheville 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 Asheville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.