Auto Loans · Winston Salem, North Carolina
5 credit unions in Winston Salem report car loan rates to the NCUA. Rates range from 3.75% to 6.34%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.75%
Lowest New Car Rate
5.38%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EMERGENCY RESPONDERS ★ 4.3 · 13 reviews | 3.75% | 5.35% |
| 2 | TRULIANT ★ 4.2 · 471 reviews | 5.14% | 6.49% |
| 3 | PIEDMONT ADVANTAGE CREDIT UNION ★ 3.5 · 82 reviews | 5.79% | 6.00% |
| 4 | ALLEGACY ★ 4.0 · 336 reviews | 5.86% | 6.14% |
| 5 | MEMBERS ★ 4.7 · 275 reviews | 6.34% | 6.56% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EMERGENCY RESPONDERS ★ 4.3 · 13 reviews | 5.35% | 3.75% |
| 2 | PIEDMONT ADVANTAGE CREDIT UNION ★ 3.5 · 82 reviews | 6.00% | 5.79% |
| 3 | ALLEGACY ★ 4.0 · 336 reviews | 6.14% | 5.86% |
| 4 | TRULIANT ★ 4.2 · 471 reviews | 6.49% | 5.14% |
| 5 | MEMBERS ★ 4.7 · 275 reviews | 6.56% | 6.34% |
A pre-approval from a Winston Salem 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 Winston Salem in the same window and take the best offer.
See member reviews, branch locations, and full rate details.