Auto Loans · Pocatello, Idaho
6 credit unions in Pocatello report car loan rates to the NCUA. Rates range from 4.92% to 8.02%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.92%
Lowest New Car Rate
6.04%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RAILS WEST ★ 3.5 · 27 reviews | 4.92% | 6.69% |
| 2 | SIMPLOT ★ 4.2 · 13 reviews | 4.99% | 6.24% |
| 3 | ADVANTAGE PLUS ★ 4.3 · 79 reviews | 4.99% | 6.49% |
| 4 | CONNECTIONS ★ 4.4 · 59 reviews | 6.50% | 6.50% |
| 5 | SEI ★ 4.8 · 58 reviews | 6.82% | 10.04% |
| 6 | LOOKOUT ★ 4.2 · 145 reviews | 8.02% | 10.24% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SIMPLOT ★ 4.2 · 13 reviews | 6.24% | 4.99% |
| 2 | ADVANTAGE PLUS ★ 4.3 · 79 reviews | 6.49% | 4.99% |
| 3 | CONNECTIONS ★ 4.4 · 59 reviews | 6.50% | 6.50% |
| 4 | RAILS WEST ★ 3.5 · 27 reviews | 6.69% | 4.92% |
| 5 | SEI ★ 4.8 · 58 reviews | 10.04% | 6.82% |
| 6 | LOOKOUT ★ 4.2 · 145 reviews | 10.24% | 8.02% |
A pre-approval from a Pocatello 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 Pocatello in the same window and take the best offer.
See member reviews, branch locations, and full rate details.