Auto Loans · Raleigh, North Carolina
5 credit unions in Raleigh report car loan rates to the NCUA. Rates range from 4.50% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.25%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ELECTEL COOPERATIVE ★ 2.7 · 7 reviews | 4.50% | 4.70% |
| 2 | CIVIC ★ 1.5 · 302 reviews | 5.25% | 3.95% |
| 3 | STATE EMPLOYEES' ★ 3.4 · 20 reviews | 5.25% | 5.75% |
| 4 | NORTH CAROLINA PRESS ASSOCIATION ★ 3.0 · 2 reviews | 5.25% | 5.75% |
| 5 | COASTAL ★ 4.4 · 6,206 reviews | 5.99% | 6.59% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CIVIC ★ 1.5 · 302 reviews | 3.95% | 5.25% |
| 2 | ELECTEL COOPERATIVE ★ 2.7 · 7 reviews | 4.70% | 4.50% |
| 3 | STATE EMPLOYEES' ★ 3.4 · 20 reviews | 5.75% | 5.25% |
| 4 | NORTH CAROLINA PRESS ASSOCIATION ★ 3.0 · 2 reviews | 5.75% | 5.25% |
| 5 | COASTAL ★ 4.4 · 6,206 reviews | 6.59% | 5.99% |
A pre-approval from a Raleigh 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 Raleigh in the same window and take the best offer.
See member reviews, branch locations, and full rate details.