Auto Loans · Des Moines, Iowa
8 credit unions in Des Moines report car loan rates to the NCUA. Rates range from 4.49% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.80%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CAPITOL VIEW ★ 5.0 · 102 reviews | 4.49% | 4.99% |
| 2 | DES MOINES METRO ★ 3.7 · 48 reviews | 4.89% | 7.79% |
| 3 | SERVE ★ 4.0 · 31 reviews | 4.99% | 5.09% |
| 4 | PREMIER ★ 4.5 · 131 reviews | 5.63% | 7.34% |
| 5 | AFFINITY ★ 4.8 · 1,669 reviews | 6.15% | 7.36% |
| 6 | POLK COUNTY ★ 5.0 · 1 reviews | 6.59% | 7.79% |
| 7 | JOURNEY ★ 4.6 · 100 reviews | 6.66% | 8.13% |
| 8 | DES MOINES FIRE DEPARTMENT | 7.00% | 7.50% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CAPITOL VIEW ★ 5.0 · 102 reviews | 4.99% | 4.49% |
| 2 | SERVE ★ 4.0 · 31 reviews | 5.09% | 4.99% |
| 3 | PREMIER ★ 4.5 · 131 reviews | 7.34% | 5.63% |
| 4 | AFFINITY ★ 4.8 · 1,669 reviews | 7.36% | 6.15% |
| 5 | DES MOINES FIRE DEPARTMENT | 7.50% | 7.00% |
| 6 | DES MOINES METRO ★ 3.7 · 48 reviews | 7.79% | 4.89% |
| 7 | POLK COUNTY ★ 5.0 · 1 reviews | 7.79% | 6.59% |
| 8 | JOURNEY ★ 4.6 · 100 reviews | 8.13% | 6.66% |
A pre-approval from a Des Moines 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 Des Moines in the same window and take the best offer.
See member reviews, branch locations, and full rate details.