Auto Loans · Merrillville, Indiana
5 credit unions in Merrillville report car loan rates to the NCUA. Rates range from 4.49% to 6.88%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.45%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | U S #1364 ★ 4.4 · 126 reviews | 4.49% | 4.49% |
| 2 | LOCAL 697 ★ 3.7 · 3 reviews | 4.98% | 5.33% |
| 3 | NORTHERN INDIANA ★ 4.2 · 51 reviews | 5.25% | 6.40% |
| 4 | MEMBERS SOURCE ★ 4.8 · 147 reviews | 5.63% | 5.81% |
| 5 | PROFINANCE ★ 4.1 · 13 reviews | 6.88% | 8.00% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U S #1364 ★ 4.4 · 126 reviews | 4.49% | 4.49% |
| 2 | LOCAL 697 ★ 3.7 · 3 reviews | 5.33% | 4.98% |
| 3 | MEMBERS SOURCE ★ 4.8 · 147 reviews | 5.81% | 5.63% |
| 4 | NORTHERN INDIANA ★ 4.2 · 51 reviews | 6.40% | 5.25% |
| 5 | PROFINANCE ★ 4.1 · 13 reviews | 8.00% | 6.88% |
A pre-approval from a Merrillville 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 Merrillville in the same window and take the best offer.
See member reviews, branch locations, and full rate details.