Auto Loans · Ottumwa, Iowa
3 credit unions in Ottumwa report car loan rates to the NCUA. Rates range from 4.79% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.79%
Lowest New Car Rate
5.60%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | COMMUNITY 1ST ★ 4.6 · 40 reviews | 4.79% | 5.19% |
| 2 | MERIDIAN ★ 4.9 · 61 reviews | 6.00% | 5.75% |
| 3 | RIVER COMMUNITY ★ 4.6 · 10 reviews | 6.00% | 5.50% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | COMMUNITY 1ST ★ 4.6 · 40 reviews | 5.19% | 4.79% |
| 2 | RIVER COMMUNITY ★ 4.6 · 10 reviews | 5.50% | 6.00% |
| 3 | MERIDIAN ★ 4.9 · 61 reviews | 5.75% | 6.00% |
A pre-approval from a Ottumwa 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 Ottumwa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.