Auto Loans · Middletown, Ohio
3 credit unions in Middletown report car loan rates to the NCUA. Rates range from 4.35% to 6.58%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.35%
Lowest New Car Rate
5.61%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MIDDLETOWN AREA SCHOOLS ★ 5.0 · 14 reviews | 4.35% | 7.17% |
| 2 | SORG BAY WEST ★ 3.5 · 8 reviews | 5.90% | 6.90% |
| 3 | MYUSA ★ 3.3 · 79 reviews | 6.58% | 7.45% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SORG BAY WEST ★ 3.5 · 8 reviews | 6.90% | 5.90% |
| 2 | MIDDLETOWN AREA SCHOOLS ★ 5.0 · 14 reviews | 7.17% | 4.35% |
| 3 | MYUSA ★ 3.3 · 79 reviews | 7.45% | 6.58% |
A pre-approval from a Middletown 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 Middletown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.