Auto Loans · Searcy, Arkansas
2 credit unions in Searcy report car loan rates to the NCUA. Rates range from 4.00% to 5.73%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.00%
Lowest New Car Rate
4.87%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NATURAL STATE ★ 5.0 · 16 reviews | 4.00% | 5.00% |
| 2 | WHITE COUNTY ★ 3.3 · 3 reviews | 5.73% | 8.09% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NATURAL STATE ★ 5.0 · 16 reviews | 5.00% | 4.00% |
| 2 | WHITE COUNTY ★ 3.3 · 3 reviews | 8.09% | 5.73% |
A pre-approval from a Searcy 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 Searcy in the same window and take the best offer.
See member reviews, branch locations, and full rate details.