Auto Loans · Golden, Colorado
2 credit unions in Golden report car loan rates to the NCUA. Rates range from 5.21% to 5.22%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.21%
Lowest New Car Rate
5.22%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ON TAP ★ 3.7 · 168 reviews | 5.21% | 5.62% |
| 2 | CREDIT UNION OF THE ROCKIES ★ 4.0 · 167 reviews | 5.22% | 6.75% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ON TAP ★ 3.7 · 168 reviews | 5.62% | 5.21% |
| 2 | CREDIT UNION OF THE ROCKIES ★ 4.0 · 167 reviews | 6.75% | 5.22% |
A pre-approval from a Golden 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 Golden in the same window and take the best offer.
See member reviews, branch locations, and full rate details.