Auto Loans · Wilmington, Delaware
4 credit unions in Wilmington report car loan rates to the NCUA. Rates range from 3.99% to 10.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.99%
Lowest New Car Rate
6.06%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PRIORITY PLUS ★ 3.5 · 15 reviews | 3.99% | 3.99% |
| 2 | WILMINGTON POLICE & FIRE ★ 3.3 · 4 reviews | 4.99% | 6.74% |
| 3 | DEXSTA ★ 3.3 · 67 reviews | 5.24% | 5.49% |
| 4 | STEPPING STONES COMMUNITY ★ 3.9 · 9 reviews | 10.00% | 10.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PRIORITY PLUS ★ 3.5 · 15 reviews | 3.99% | 3.99% |
| 2 | DEXSTA ★ 3.3 · 67 reviews | 5.49% | 5.24% |
| 3 | WILMINGTON POLICE & FIRE ★ 3.3 · 4 reviews | 6.74% | 4.99% |
| 4 | STEPPING STONES COMMUNITY ★ 3.9 · 9 reviews | 10.00% | 10.00% |
A pre-approval from a Wilmington 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 Wilmington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.