Auto Loans · West Des Moines, Iowa
2 credit unions in West Des Moines report car loan rates to the NCUA. Rates range from 4.84% to 5.91%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.84%
Lowest New Car Rate
5.38%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FINANCIAL PLUS ★ 4.4 · 112 reviews | 4.84% | 5.54% |
| 2 | FIRST CLASS COMMUNITY ★ 4.8 · 289 reviews | 5.91% | 7.26% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FINANCIAL PLUS ★ 4.4 · 112 reviews | 5.54% | 4.84% |
| 2 | FIRST CLASS COMMUNITY ★ 4.8 · 289 reviews | 7.26% | 5.91% |
A pre-approval from a West 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 West Des Moines in the same window and take the best offer.
See member reviews, branch locations, and full rate details.