Auto Loans · Idaho Falls, Idaho
3 credit unions in Idaho Falls report car loan rates to the NCUA. Rates range from 5.93% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.93%
Lowest New Car Rate
6.25%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MEMBERS PREFERRED ★ 3.5 · 37 reviews | 5.93% | 9.71% |
| 2 | FRONTIER ★ 3.9 · 303 reviews | 6.33% | 7.32% |
| 3 | WESTMARK ★ 4.3 · 105 reviews | 6.49% | 7.59% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FRONTIER ★ 3.9 · 303 reviews | 7.32% | 6.33% |
| 2 | WESTMARK ★ 4.3 · 105 reviews | 7.59% | 6.49% |
| 3 | MEMBERS PREFERRED ★ 3.5 · 37 reviews | 9.71% | 5.93% |
A pre-approval from a Idaho Falls 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 Idaho Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.