Auto Loans · Dayton, Ohio
5 credit unions in Dayton report car loan rates to the NCUA. Rates range from 5.49% to 6.79%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
5.49%
Lowest New Car Rate
6.08%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNIVERSAL 1 ★ 3.8 · 64 reviews | 5.49% | 6.49% |
| 2 | CODE ★ 4.0 · 82 reviews | 5.62% | 6.65% |
| 3 | KH CREDIT UNION, INC. ★ 3.9 · 18 reviews | 5.77% | 6.37% |
| 4 | DAY-MET ★ 4.4 · 358 reviews | 6.72% | 7.93% |
| 5 | FIREFIGHTERS & COMPANY ★ 4.7 · 72 reviews | 6.79% | 6.79% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WRIGHT-DUNBAR AREA ★ 5.0 · 1 reviews | 4.61% | — |
| 2 | KH CREDIT UNION, INC. ★ 3.9 · 18 reviews | 6.37% | 5.77% |
| 3 | UNIVERSAL 1 ★ 3.8 · 64 reviews | 6.49% | 5.49% |
| 4 | CODE ★ 4.0 · 82 reviews | 6.65% | 5.62% |
| 5 | FIREFIGHTERS & COMPANY ★ 4.7 · 72 reviews | 6.79% | 6.79% |
| 6 | DAY-MET ★ 4.4 · 358 reviews | 7.93% | 6.72% |
A pre-approval from a Dayton 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 Dayton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.