Auto Loans · Waterbury, Connecticut
5 credit unions in Waterbury report car loan rates to the NCUA. Rates range from 4.65% to 6.48%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.65%
Lowest New Car Rate
5.48%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WATERBURY CONNECTICUT TEACHERS ★ 3.8 · 23 reviews | 4.65% | 4.65% |
| 2 | FD COMMUNITY ★ 3.8 · 45 reviews | 5.19% | 6.22% |
| 3 | GREATER WATERBURY HEALTHCARE ★ 4.0 · 4 reviews | 5.50% | 6.50% |
| 4 | SKYLINE FINANCIAL ★ 4.4 · 85 reviews | 5.58% | 7.53% |
| 5 | WATERBURY POSTAL EMPLOYEES | 6.48% | 6.65% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WATERBURY CONNECTICUT TEACHERS ★ 3.8 · 23 reviews | 4.65% | 4.65% |
| 2 | FD COMMUNITY ★ 3.8 · 45 reviews | 6.22% | 5.19% |
| 3 | GREATER WATERBURY HEALTHCARE ★ 4.0 · 4 reviews | 6.50% | 5.50% |
| 4 | WATERBURY POSTAL EMPLOYEES | 6.65% | 6.48% |
| 5 | SKYLINE FINANCIAL ★ 4.4 · 85 reviews | 7.53% | 5.58% |
A pre-approval from a Waterbury 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 Waterbury in the same window and take the best offer.
See member reviews, branch locations, and full rate details.