Auto Loans · Richmond, Indiana
4 credit unions in Richmond report car loan rates to the NCUA. Rates range from 4.00% to 6.57%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.19%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WAYNE COUNTY ★ 4.6 · 10 reviews | 4.00% | 4.00% |
| 2 | RICHMOND LIGHT EMPLOYEES | 4.80% | 5.30% |
| 3 | HEALTH CARE PROFESSIONALS ★ 4.6 · 75 reviews | 5.40% | 7.75% |
| 4 | NATCO ★ 4.7 · 131 reviews | 6.57% | 8.07% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WAYNE COUNTY ★ 4.6 · 10 reviews | 4.00% | 4.00% |
| 2 | RICHMOND LIGHT EMPLOYEES | 5.30% | 4.80% |
| 3 | HEALTH CARE PROFESSIONALS ★ 4.6 · 75 reviews | 7.75% | 5.40% |
| 4 | NATCO ★ 4.7 · 131 reviews | 8.07% | 6.57% |
A pre-approval from a Richmond 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 Richmond in the same window and take the best offer.
See member reviews, branch locations, and full rate details.