Auto Loans · Elyria, Ohio
2 credit unions in Elyria report car loan rates to the NCUA. Rates range from 4.60% to 6.27%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.60%
Lowest New Car Rate
5.44%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ACHIEVE ★ 4.2 · 40 reviews | 4.60% | 4.60% |
| 2 | COMMUNITY STAR ★ 4.5 · 123 reviews | 6.27% | 6.52% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ACHIEVE ★ 4.2 · 40 reviews | 4.60% | 4.60% |
| 2 | COMMUNITY STAR ★ 4.5 · 123 reviews | 6.52% | 6.27% |
A pre-approval from a Elyria 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 Elyria in the same window and take the best offer.
See member reviews, branch locations, and full rate details.