Auto Loans · Laramie, Wyoming
3 credit unions in Laramie report car loan rates to the NCUA. Rates range from 4.24% to 6.83%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.24%
Lowest New Car Rate
5.74%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | A.C.P.E. ★ 3.6 · 23 reviews | 4.24% | 4.89% |
| 2 | STAGEPOINT ★ 4.6 · 237 reviews | 6.15% | 6.20% |
| 3 | UNIWYO ★ 4.0 · 148 reviews | 6.83% | 7.69% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | A.C.P.E. ★ 3.6 · 23 reviews | 4.89% | 4.24% |
| 2 | STAGEPOINT ★ 4.6 · 237 reviews | 6.20% | 6.15% |
| 3 | UNIWYO ★ 4.0 · 148 reviews | 7.69% | 6.83% |
A pre-approval from a Laramie 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 Laramie in the same window and take the best offer.
See member reviews, branch locations, and full rate details.