Auto Loans · Kokomo, Indiana
6 credit unions in Kokomo report car loan rates to the NCUA. Rates range from 4.00% to 6.08%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.19%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HOWARD COUNTY SCHOOL EM ★ 4.3 · 13 reviews | 4.00% | 6.50% |
| 2 | SOLIDARITY COMMUNITY ★ 4.0 · 133 reviews | 4.69% | 4.99% |
| 3 | HAYNES COMMUNITY ★ 4.6 · 16 reviews | 5.22% | 6.32% |
| 4 | CITY OF FIRSTS COMMUNITY ★ 4.2 · 58 reviews | 5.50% | 5.50% |
| 5 | INDIANA HEARTLAND ★ 4.8 · 227 reviews | 5.67% | 7.91% |
| 6 | FINANCIAL BUILDERS ★ 3.3 · 84 reviews | 6.08% | 7.28% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SOLIDARITY COMMUNITY ★ 4.0 · 133 reviews | 4.99% | 4.69% |
| 2 | CITY OF FIRSTS COMMUNITY ★ 4.2 · 58 reviews | 5.50% | 5.50% |
| 3 | HAYNES COMMUNITY ★ 4.6 · 16 reviews | 6.32% | 5.22% |
| 4 | HOWARD COUNTY SCHOOL EM ★ 4.3 · 13 reviews | 6.50% | 4.00% |
| 5 | FINANCIAL BUILDERS ★ 3.3 · 84 reviews | 7.28% | 6.08% |
| 6 | INDIANA HEARTLAND ★ 4.8 · 227 reviews | 7.91% | 5.67% |
A pre-approval from a Kokomo 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 Kokomo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.