Auto Loans · Ames, Iowa
2 credit unions in Ames report car loan rates to the NCUA. Rates range from 5.30% to 6.05%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.30%
Lowest New Car Rate
5.68%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RIVER VALLEY ★ 3.5 · 31 reviews | 5.30% | 5.30% |
| 2 | GREATER IOWA ★ 4.2 · 183 reviews | 6.05% | 8.53% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIVER VALLEY ★ 3.5 · 31 reviews | 5.30% | 5.30% |
| 2 | GREATER IOWA ★ 4.2 · 183 reviews | 8.53% | 6.05% |
A pre-approval from a Ames 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 Ames in the same window and take the best offer.
See member reviews, branch locations, and full rate details.