Auto Loans · Madison, Wisconsin
6 credit unions in Madison report car loan rates to the NCUA. Rates range from 5.40% to 6.25%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
5.40%
Lowest New Car Rate
5.68%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SUMMIT ★ 4.6 · 162 reviews | 5.40% | 6.72% |
| 2 | UNIVERSITY OF WISCONSIN ★ 4.7 · 209 reviews | 5.42% | 5.42% |
| 3 | MADISON FIRE DEPARTMENT ★ 3.7 · 3 reviews | 5.54% | 5.95% |
| 4 | MADISON ★ 4.4 · 44 reviews | 5.74% | 6.49% |
| 5 | HEARTLAND ★ 3.1 · 78 reviews | 5.74% | 6.24% |
| 6 | WEA ★ 5.0 · 3 reviews | 6.25% | 6.25% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UNIVERSITY OF WISCONSIN ★ 4.7 · 209 reviews | 5.42% | 5.42% |
| 2 | MADISON FIRE DEPARTMENT ★ 3.7 · 3 reviews | 5.95% | 5.54% |
| 3 | HEARTLAND ★ 3.1 · 78 reviews | 6.24% | 5.74% |
| 4 | WEA ★ 5.0 · 3 reviews | 6.25% | 6.25% |
| 5 | MADISON ★ 4.4 · 44 reviews | 6.49% | 5.74% |
| 6 | SUMMIT ★ 4.6 · 162 reviews | 6.72% | 5.40% |
A pre-approval from a Madison 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 Madison in the same window and take the best offer.
See member reviews, branch locations, and full rate details.