Auto Loans · Arkansas
48 credit unions in Arkansas report car loan rates to the NCUA. Rates range from 3.50% to 11.90%.
Updated Q1 2026 · NCUA Call Report data
48
CUs Reporting Rates
3.50%
Lowest New Car Rate
6.00%
State Average Rate
28
Cities Covered
48 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ARKANSAS KRAFT EMPLOYEES Morrilton | 3.50% | 5.50% |
| 2 | NORTH LITTLE ROCK EDUCATORS North Little Ro | 3.53% | 9.26% |
| 3 | NATURAL STATE SEARCY | 4.00% | 5.00% |
| 4 | HURRICANE CREEK BENTON | 4.25% | 4.25% |
| 5 | DILLARD'S LITTLE ROCK | 4.32% | 4.89% |
| 6 | CLEARWAY Malvern | 4.35% | 8.49% |
| 7 | ARKANSAS AM & N COLLEGE Pine Bluff | 4.64% | 6.49% |
| 8 | ARKANSAS BEST Fort Smith | 4.74% | 4.74% |
| 9 | PRIORITY Russellville | 4.80% | 5.64% |
| 10 | PATTERSON ARKADELPHIA | 4.80% | 5.99% |
| 11 | ALCOA COMMUNITY Benton | 4.82% | 6.00% |
| 12 | UARK Fayetteville | 4.83% | 6.19% |
| 13 | FORT SMITH TEACHERS FORT SMITH | 4.99% | 7.99% |
| 14 | ARKANSAS EDUCATION ASSOCIATION LITTLE ROCK | 4.99% | 4.99% |
| 15 | PBA Pine Bluff | 4.99% | 6.25% |
| 16 | ARKANSAS FARM BUREAU Little Rock | 5.00% | 5.00% |
| 17 | ARKANSAS HEALTH CENTER BENTON | 5.24% | 5.71% |
| 18 | USEM MENA Mena | 5.27% | 6.81% |
| 19 | COOPERATIVE EXTENSION SERVICE LITTLE ROCK | 5.36% | 5.89% |
| 20 | SUBIACO Subiaco | 5.37% | 7.94% |
| 21 | TRUSERVICE COMMUNITY LITTLE ROCK | 5.37% | 6.15% |
| 22 | MIL-WAY Texarkana | 5.49% | 5.49% |
| 23 | VA HOSPITAL LITTLE ROCK | 5.50% | 6.00% |
| 24 | NORTHWEST ARKANSAS FAYETTEVILLE | 5.66% | 6.93% |
| 25 | RIVER TOWN FORT SMITH | 5.71% | 1.85% |
| 26 | WHITE COUNTY SEARCY | 5.73% | 8.09% |
| 27 | RIVER VALLEY COMMUNITY Camden | 5.87% | 8.33% |
| 28 | ARKANSAS Little Rock | 5.99% | 3.99% |
| 29 | L R F D Little Rock | 6.10% | 6.10% |
| 30 | BAPTIST HEALTH Little Rock | 6.11% | 7.18% |
| 31 | LION EL DORADO | 6.11% | 7.01% |
| 32 | SOUTHERN GAS LITTLE ROCK | 6.20% | 12.40% |
| 33 | TIMBERLINE Crossett | 6.43% | 8.24% |
| 34 | SUCCESS BLYTHEVILLE | 6.44% | 7.86% |
| 35 | COMBINED HOT SPRINGS | 6.50% | 8.28% |
| 36 | TELCOE LITTLE ROCK | 6.59% | 7.54% |
| 37 | UP North Little Ro | 6.74% | 8.14% |
| 38 | PINE PINE BLUFF | 6.75% | 8.00% |
| 39 | COTTON BELT PINE BLUFF | 6.86% | 8.41% |
| 40 | ARKANSAS SUPERIOR WARREN | 7.19% | 10.05% |
| 41 | ELECTRIC COOPERATIVES LITTLE ROCK | 7.47% | 7.23% |
| 42 | FORT ROOTS NORTH LITTLE RO | 7.50% | 8.50% |
| 43 | FAIRFIELD PINE BLUFF | 7.50% | 7.50% |
| 44 | TWO RIVERS Arkadelphia | 7.99% | 7.99% |
| 45 | PEOPLE TRUST COMMUNITY Little Rock | 8.00% | 12.37% |
| 46 | GARLAND COUNTY EDUCATORS HOT SPRINGS | 9.15% | 10.25% |
| 47 | U.P. EMPLOYEES NORTH LITTLE RO | 11.50% | 18.00% |
| 48 | ARKANSAS TEACHERS LIttle Rock | 11.90% | 11.24% |
48 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIVER TOWN FORT SMITH | 1.85% | 5.71% |
| 2 | ARKANSAS Little Rock | 3.99% | 5.99% |
| 3 | HURRICANE CREEK BENTON | 4.25% | 4.25% |
| 4 | ARKANSAS BEST Fort Smith | 4.74% | 4.74% |
| 5 | DILLARD'S LITTLE ROCK | 4.89% | 4.32% |
| 6 | ARKANSAS EDUCATION ASSOCIATION LITTLE ROCK | 4.99% | 4.99% |
| 7 | NATURAL STATE SEARCY | 5.00% | 4.00% |
| 8 | ARKANSAS FARM BUREAU Little Rock | 5.00% | 5.00% |
| 9 | MIL-WAY Texarkana | 5.49% | 5.49% |
| 10 | ARKANSAS KRAFT EMPLOYEES Morrilton | 5.50% | 3.50% |
| 11 | PRIORITY Russellville | 5.64% | 4.80% |
| 12 | ARKANSAS HEALTH CENTER BENTON | 5.71% | 5.24% |
| 13 | COOPERATIVE EXTENSION SERVICE LITTLE ROCK | 5.89% | 5.36% |
| 14 | PATTERSON ARKADELPHIA | 5.99% | 4.80% |
| 15 | ALCOA COMMUNITY Benton | 6.00% | 4.82% |
| 16 | VA HOSPITAL LITTLE ROCK | 6.00% | 5.50% |
| 17 | L R F D Little Rock | 6.10% | 6.10% |
| 18 | TRUSERVICE COMMUNITY LITTLE ROCK | 6.15% | 5.37% |
| 19 | UARK Fayetteville | 6.19% | 4.83% |
| 20 | PBA Pine Bluff | 6.25% | 4.99% |
| 21 | ARKANSAS AM & N COLLEGE Pine Bluff | 6.49% | 4.64% |
| 22 | USEM MENA Mena | 6.81% | 5.27% |
| 23 | NORTHWEST ARKANSAS FAYETTEVILLE | 6.93% | 5.66% |
| 24 | LION EL DORADO | 7.01% | 6.11% |
| 25 | BAPTIST HEALTH Little Rock | 7.18% | 6.11% |
| 26 | ELECTRIC COOPERATIVES LITTLE ROCK | 7.23% | 7.47% |
| 27 | FAIRFIELD PINE BLUFF | 7.50% | 7.50% |
| 28 | TELCOE LITTLE ROCK | 7.54% | 6.59% |
| 29 | SUCCESS BLYTHEVILLE | 7.86% | 6.44% |
| 30 | SUBIACO Subiaco | 7.94% | 5.37% |
| 31 | FORT SMITH TEACHERS FORT SMITH | 7.99% | 4.99% |
| 32 | TWO RIVERS Arkadelphia | 7.99% | 7.99% |
| 33 | PINE PINE BLUFF | 8.00% | 6.75% |
| 34 | WHITE COUNTY SEARCY | 8.09% | 5.73% |
| 35 | UP North Little Ro | 8.14% | 6.74% |
| 36 | TIMBERLINE Crossett | 8.24% | 6.43% |
| 37 | COMBINED HOT SPRINGS | 8.28% | 6.50% |
| 38 | RIVER VALLEY COMMUNITY Camden | 8.33% | 5.87% |
| 39 | COTTON BELT PINE BLUFF | 8.41% | 6.86% |
| 40 | CLEARWAY Malvern | 8.49% | 4.35% |
| 41 | FORT ROOTS NORTH LITTLE RO | 8.50% | 7.50% |
| 42 | NORTH LITTLE ROCK EDUCATORS North Little Ro | 9.26% | 3.53% |
| 43 | ARKANSAS SUPERIOR WARREN | 10.05% | 7.19% |
| 44 | GARLAND COUNTY EDUCATORS HOT SPRINGS | 10.25% | 9.15% |
| 45 | ARKANSAS TEACHERS LIttle Rock | 11.24% | 11.90% |
| 46 | PEOPLE TRUST COMMUNITY Little Rock | 12.37% | 8.00% |
| 47 | SOUTHERN GAS LITTLE ROCK | 12.40% | 6.20% |
| 48 | U.P. EMPLOYEES NORTH LITTLE RO | 18.00% | 11.50% |
Most community credit unions in Arkansas 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.