Auto Loans · Waterloo, Iowa
3 credit unions in Waterloo report car loan rates to the NCUA. Rates range from 2.25% to 5.49%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
2.25%
Lowest New Car Rate
3.91%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WATERLOO FIREMEN'S | 2.25% | 2.75% |
| 2 | ALLEN HOSPITAL PERSONNEL ★ 5.0 · 4 reviews | 3.99% | 8.50% |
| 3 | VERIDIAN ★ 4.8 · 133 reviews | 5.49% | 5.64% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WATERLOO FIREMEN'S | 2.75% | 2.25% |
| 2 | VERIDIAN ★ 4.8 · 133 reviews | 5.64% | 5.49% |
| 3 | ALLEN HOSPITAL PERSONNEL ★ 5.0 · 4 reviews | 8.50% | 3.99% |
A pre-approval from a Waterloo 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 Waterloo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.