Auto Loans · Rhode Island
13 credit unions in Rhode Island report car loan rates to the NCUA. Rates range from 3.99% to 7.89%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.18%
State Average Rate
12
Cities Covered
13 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WESTERLY COMMUNITY Wakefield | 3.99% | 3.99% |
| 2 | BLACKSTONE RIVER Woonsocket | 4.12% | 4.86% |
| 3 | NAVIGANT Smithfield | 4.24% | 5.84% |
| 4 | CRANSTON MUNICIPAL EMPLOYEES CRANSTON | 4.49% | 4.49% |
| 5 | PAWTUCKET MUNICIPAL EMPLOYEES PAWTUCKET | 4.99% | 5.49% |
| 6 | RHODE ISLAND Warwick | 4.99% | 5.49% |
| 7 | WAVE WARWICK | 4.99% | 5.99% |
| 8 | THE PEOPLES Middletown | 5.10% | 5.50% |
| 9 | COMMUNITY & TEACHERS East Providence | 5.25% | 6.00% |
| 10 | OCEAN STATE COVENTRY | 5.46% | 6.45% |
| 11 | CUMBERLAND MUNICIPAL EMPLOYEES Cumberland | 5.75% | 6.25% |
| 12 | COASTAL1 Pawtucket | 6.12% | 7.15% |
| 13 | GREENWOOD Warwick | 7.89% | 9.01% |
13 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WESTERLY COMMUNITY Wakefield | 3.99% | 3.99% |
| 2 | CRANSTON MUNICIPAL EMPLOYEES CRANSTON | 4.49% | 4.49% |
| 3 | BLACKSTONE RIVER Woonsocket | 4.86% | 4.12% |
| 4 | PAWTUCKET MUNICIPAL EMPLOYEES PAWTUCKET | 5.49% | 4.99% |
| 5 | RHODE ISLAND Warwick | 5.49% | 4.99% |
| 6 | THE PEOPLES Middletown | 5.50% | 5.10% |
| 7 | NAVIGANT Smithfield | 5.84% | 4.24% |
| 8 | WAVE WARWICK | 5.99% | 4.99% |
| 9 | COMMUNITY & TEACHERS East Providence | 6.00% | 5.25% |
| 10 | CUMBERLAND MUNICIPAL EMPLOYEES Cumberland | 6.25% | 5.75% |
| 11 | OCEAN STATE COVENTRY | 6.45% | 5.46% |
| 12 | COASTAL1 Pawtucket | 7.15% | 6.12% |
| 13 | GREENWOOD Warwick | 9.01% | 7.89% |
Most community credit unions in Rhode Island accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.