Auto Loans · Idaho
26 credit unions in Idaho report car loan rates to the NCUA. Rates range from 3.00% to 8.02%.
Updated Q1 2026 · NCUA Call Report data
26
CUs Reporting Rates
3.00%
Lowest New Car Rate
5.52%
State Average Rate
20
Cities Covered
26 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BOISE FIRE DEPARTMENT Boise | 3.00% | 5.00% |
| 2 | CLARITY Nampa | 3.74% | 4.74% |
| 3 | SNAKE RIVER Twin Falls | 4.28% | 6.64% |
| 4 | NORTHWEST CHRISTIAN NAMPA | 4.56% | 5.19% |
| 5 | TRUGROCER Boise | 4.64% | 5.45% |
| 6 | RAILS WEST Pocatello | 4.92% | 6.69% |
| 7 | SIMPLOT POCATELLO | 4.99% | 6.24% |
| 8 | ADVANTAGE PLUS Pocatello | 4.99% | 6.49% |
| 9 | COTTONWOOD COMMUNITY Cottonwood | 5.10% | 5.10% |
| 10 | POTLATCH NO. 1 FINANCIAL LEWISTON | 5.18% | 5.95% |
| 11 | LATAH MOSCOW | 5.37% | 6.57% |
| 12 | LEWIS CLARK Lewiston | 5.37% | 6.33% |
| 13 | ST JOE VALLEY ST MARIES | 5.60% | 6.61% |
| 14 | CAPITAL EDUCATORS MERIDIAN | 5.75% | 6.75% |
| 15 | BEEHIVE Rexburg | 5.84% | 5.94% |
| 16 | MINI-CASSIA EMPL. Burley | 5.90% | 5.90% |
| 17 | IDAHO UNITED Boise | 5.93% | 7.82% |
| 18 | FREEDOM NORTHWEST KAMIAH | 5.93% | 8.36% |
| 19 | MEMBERS PREFERRED IDAHO FALLS | 5.93% | 9.71% |
| 20 | PIONEER MOUNTAIN HOME | 6.09% | 6.09% |
| 21 | FRONTIER Idaho Falls | 6.33% | 7.32% |
| 22 | IDAHO CENTRAL Chubbuck | 6.35% | 7.46% |
| 23 | WESTMARK Idaho Falls | 6.49% | 7.59% |
| 24 | CONNECTIONS pocatello | 6.50% | 6.50% |
| 25 | SEI Pocatello | 6.82% | 10.04% |
| 26 | LOOKOUT Pocatello | 8.02% | 10.24% |
26 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CLARITY Nampa | 4.74% | 3.74% |
| 2 | BOISE FIRE DEPARTMENT Boise | 5.00% | 3.00% |
| 3 | COTTONWOOD COMMUNITY Cottonwood | 5.10% | 5.10% |
| 4 | NORTHWEST CHRISTIAN NAMPA | 5.19% | 4.56% |
| 5 | TRUGROCER Boise | 5.45% | 4.64% |
| 6 | MINI-CASSIA EMPL. Burley | 5.90% | 5.90% |
| 7 | BEEHIVE Rexburg | 5.94% | 5.84% |
| 8 | POTLATCH NO. 1 FINANCIAL LEWISTON | 5.95% | 5.18% |
| 9 | PIONEER MOUNTAIN HOME | 6.09% | 6.09% |
| 10 | SIMPLOT POCATELLO | 6.24% | 4.99% |
| 11 | LEWIS CLARK Lewiston | 6.33% | 5.37% |
| 12 | ADVANTAGE PLUS Pocatello | 6.49% | 4.99% |
| 13 | CONNECTIONS pocatello | 6.50% | 6.50% |
| 14 | LATAH MOSCOW | 6.57% | 5.37% |
| 15 | ST JOE VALLEY ST MARIES | 6.61% | 5.60% |
| 16 | SNAKE RIVER Twin Falls | 6.64% | 4.28% |
| 17 | RAILS WEST Pocatello | 6.69% | 4.92% |
| 18 | CAPITAL EDUCATORS MERIDIAN | 6.75% | 5.75% |
| 19 | FRONTIER Idaho Falls | 7.32% | 6.33% |
| 20 | IDAHO CENTRAL Chubbuck | 7.46% | 6.35% |
| 21 | WESTMARK Idaho Falls | 7.59% | 6.49% |
| 22 | IDAHO UNITED Boise | 7.82% | 5.93% |
| 23 | FREEDOM NORTHWEST KAMIAH | 8.36% | 5.93% |
| 24 | MEMBERS PREFERRED IDAHO FALLS | 9.71% | 5.93% |
| 25 | SEI Pocatello | 10.04% | 6.82% |
| 26 | LOOKOUT Pocatello | 10.24% | 8.02% |
Most community credit unions in Idaho 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.