Auto Loans · Fairbanks, Alaska
2 credit unions in Fairbanks report car loan rates to the NCUA. Rates range from 6.89% to 9.83%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.89%
Lowest New Car Rate
8.36%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MAC ★ 3.2 · 174 reviews | 6.89% | 6.99% |
| 2 | SPIRIT OF ALASKA ★ 4.6 · 83 reviews | 9.83% | 9.83% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MAC ★ 3.2 · 174 reviews | 6.99% | 6.89% |
| 2 | SPIRIT OF ALASKA ★ 4.6 · 83 reviews | 9.83% | 9.83% |
A pre-approval from a Fairbanks 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 Fairbanks in the same window and take the best offer.
See member reviews, branch locations, and full rate details.