Auto Loans · Kansas
58 credit unions in Kansas report car loan rates to the NCUA. Rates range from 2.84% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
58
CUs Reporting Rates
2.84%
Lowest New Car Rate
5.93%
State Average Rate
41
Cities Covered
58 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | COMMUNITYAMERICA Lenexa | 2.84% | 4.99% |
| 2 | RELIANCE Kansas City | 3.25% | 6.00% |
| 3 | MAZUMA Overland Park | 3.80% | 7.80% |
| 4 | FARMWAY BELOIT | 3.95% | 6.15% |
| 5 | PANHANDLE Wellington | 4.22% | 4.99% |
| 6 | K.U.M.C. Shawnee | 4.48% | 6.71% |
| 7 | CREDIT UNION OF AMERICA Wichita | 4.49% | 4.99% |
| 8 | CROSSROADS GOESSEL | 4.49% | 5.74% |
| 9 | ARK VALLEY Arkansas City | 4.59% | 5.72% |
| 10 | UNITED NORTHWEST NORTON | 4.68% | 6.86% |
| 11 | CATHOLIC FAMILY Wichita | 4.75% | 4.75% |
| 12 | U S P L K EMPLOYEES LEAVENWORTH | 4.83% | 6.02% |
| 13 | BELL HUTCHINSON | 4.92% | 8.20% |
| 14 | MIDWEST REGIONAL Kansas City | 4.99% | 4.99% |
| 15 | TOPEKA FIREMEN'S Topeka | 5.00% | 6.00% |
| 16 | CENTRAL KANSAS EDUCATION Salina | 5.00% | 5.75% |
| 17 | PEOPLES CHOICE Coffeyville | 5.07% | 6.12% |
| 18 | CO-OPERATIVE COFFEYVILLE | 5.08% | 7.18% |
| 19 | SUNFLOWER COMMUNITY Marysville | 5.10% | 7.97% |
| 20 | EMPORIA STATE EMPORIA | 5.13% | 6.28% |
| 21 | ENVISTA Topeka | 5.14% | 5.14% |
| 22 | KANSAS STATE UNIVERSITY Manhattan | 5.14% | 7.00% |
| 23 | HEARTLAND HUTCHINSON | 5.24% | 9.10% |
| 24 | SALINA MUNICIPAL SALINA | 5.25% | 5.25% |
| 25 | EMPOWER BLUE TOPEKA | 5.29% | 5.49% |
| 26 | 1ST KANSAS Topeka | 5.49% | 6.99% |
| 27 | SKYWARD Wichita | 5.50% | 5.50% |
| 28 | SM MISSION | 5.62% | 6.32% |
| 29 | AZURA Topeka | 5.75% | 5.75% |
| 30 | CREDIT UNION OF DODGE CITY Dodge City | 5.97% | 7.62% |
| 31 | DILLON Hutchinson | 5.99% | 6.24% |
| 32 | C & R Clay Center | 6.00% | 7.00% |
| 33 | HUTCHINSON POSTAL & COMMUNITY HUTCHINSON | 6.00% | 7.00% |
| 34 | ELLIS ELLIS | 6.00% | 6.00% |
| 35 | MORTON South Hutchinso | 6.00% | 6.50% |
| 36 | B&V OVERLAND PARK | 6.00% | 7.00% |
| 37 | MAINSTREET Lenexa | 6.20% | 7.20% |
| 38 | WHITE EAGLE Augusta | 6.22% | 6.70% |
| 39 | KANSAS TEACHERS COMMUNITY Pittsburg | 6.24% | 6.24% |
| 40 | CREDIT UNION OF EMPORIA EMPORIA | 6.25% | 7.10% |
| 41 | CAMPUS Wichita | 6.25% | 8.96% |
| 42 | SALINA INTERPAROCHIAL SALINA | 6.27% | 8.51% |
| 43 | MCPHERSON CO-OP MCPHERSON | 6.29% | 7.59% |
| 44 | MID AMERICAN Wichita | 6.40% | 7.30% |
| 45 | QUANTUM Wichita | 6.40% | 7.45% |
| 46 | WHEAT STATE Wichita | 6.76% | 7.78% |
| 47 | FRONTIER COMMUNITY Leavenworth | 6.78% | 8.44% |
| 48 | GARDEN CITY TEACHERS GARDEN CITY | 6.82% | 9.16% |
| 49 | MID-KANSAS MOUNDRIDGE | 6.95% | 9.55% |
| 50 | TRI-COUNTY GRINNELL | 7.00% | 7.00% |
| 51 | TOPEKA POLICE TOPEKA | 7.74% | 7.99% |
| 52 | WICHITA Wichita | 7.89% | 10.44% |
| 53 | GOLDEN PLAINS Garden City | 8.00% | 8.00% |
| 54 | KAN COLO HOISINGTON | 8.50% | 12.36% |
| 55 | K C K FIREMEN & POLICE KANSAS CITY | 9.00% | 13.00% |
| 56 | HUTCHINSON GOVERNMENT EMPLOYEES Hutchinson | 9.14% | 21.14% |
| 57 | EAGLE ATCHISON | 10.00% | 12.00% |
| 58 | KC FAIRFAX KANSAS CITY | 12.00% | 15.25% |
61 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CATHOLIC FAMILY Wichita | 4.75% | 4.75% |
| 2 | COMMUNITYAMERICA Lenexa | 4.99% | 2.84% |
| 3 | PANHANDLE Wellington | 4.99% | 4.22% |
| 4 | CREDIT UNION OF AMERICA Wichita | 4.99% | 4.49% |
| 5 | MIDWEST REGIONAL Kansas City | 4.99% | 4.99% |
| 6 | ENVISTA Topeka | 5.14% | 5.14% |
| 7 | SALINA MUNICIPAL SALINA | 5.25% | 5.25% |
| 8 | EMPOWER BLUE TOPEKA | 5.49% | 5.29% |
| 9 | SKYWARD Wichita | 5.50% | 5.50% |
| 10 | ARK VALLEY Arkansas City | 5.72% | 4.59% |
| 11 | CROSSROADS GOESSEL | 5.74% | 4.49% |
| 12 | CENTRAL KANSAS EDUCATION Salina | 5.75% | 5.00% |
| 13 | AZURA Topeka | 5.75% | 5.75% |
| 14 | RELIANCE Kansas City | 6.00% | 3.25% |
| 15 | TOPEKA FIREMEN'S Topeka | 6.00% | 5.00% |
| 16 | ELLIS ELLIS | 6.00% | 6.00% |
| 17 | SUNFLOWER Valley Center | 6.00% | — |
| 18 | U S P L K EMPLOYEES LEAVENWORTH | 6.02% | 4.83% |
| 19 | PEOPLES CHOICE Coffeyville | 6.12% | 5.07% |
| 20 | FARMWAY BELOIT | 6.15% | 3.95% |
| 21 | DILLON Hutchinson | 6.24% | 5.99% |
| 22 | KANSAS TEACHERS COMMUNITY Pittsburg | 6.24% | 6.24% |
| 23 | EMPORIA STATE EMPORIA | 6.28% | 5.13% |
| 24 | SM MISSION | 6.32% | 5.62% |
| 25 | MORTON South Hutchinso | 6.50% | 6.00% |
| 26 | WHITE EAGLE Augusta | 6.70% | 6.22% |
| 27 | K.U.M.C. Shawnee | 6.71% | 4.48% |
| 28 | UNITED NORTHWEST NORTON | 6.86% | 4.68% |
| 29 | 1ST KANSAS Topeka | 6.99% | 5.49% |
| 30 | KANSAS STATE UNIVERSITY Manhattan | 7.00% | 5.14% |
| 31 | C & R Clay Center | 7.00% | 6.00% |
| 32 | HUTCHINSON POSTAL & COMMUNITY HUTCHINSON | 7.00% | 6.00% |
| 33 | B&V OVERLAND PARK | 7.00% | 6.00% |
| 34 | TRI-COUNTY GRINNELL | 7.00% | 7.00% |
| 35 | CREDIT UNION OF EMPORIA EMPORIA | 7.10% | 6.25% |
| 36 | CO-OPERATIVE COFFEYVILLE | 7.18% | 5.08% |
| 37 | MAINSTREET Lenexa | 7.20% | 6.20% |
| 38 | MID AMERICAN Wichita | 7.30% | 6.40% |
| 39 | QUANTUM Wichita | 7.45% | 6.40% |
| 40 | MID PLAINS GLASCO | 7.50% | — |
| 41 | MCPHERSON CO-OP MCPHERSON | 7.59% | 6.29% |
| 42 | CREDIT UNION OF DODGE CITY Dodge City | 7.62% | 5.97% |
| 43 | WHEAT STATE Wichita | 7.78% | 6.76% |
| 44 | MAZUMA Overland Park | 7.80% | 3.80% |
| 45 | SUNFLOWER COMMUNITY Marysville | 7.97% | 5.10% |
| 46 | TOPEKA POLICE TOPEKA | 7.99% | 7.74% |
| 47 | GOLDEN PLAINS Garden City | 8.00% | 8.00% |
| 48 | CATHOLICS UNITED HUTCHINSON | 8.00% | — |
| 49 | BELL HUTCHINSON | 8.20% | 4.92% |
| 50 | FRONTIER COMMUNITY Leavenworth | 8.44% | 6.78% |
| 51 | SALINA INTERPAROCHIAL SALINA | 8.51% | 6.27% |
| 52 | CAMPUS Wichita | 8.96% | 6.25% |
| 53 | HEARTLAND HUTCHINSON | 9.10% | 5.24% |
| 54 | GARDEN CITY TEACHERS GARDEN CITY | 9.16% | 6.82% |
| 55 | MID-KANSAS MOUNDRIDGE | 9.55% | 6.95% |
| 56 | WICHITA Wichita | 10.44% | 7.89% |
| 57 | EAGLE ATCHISON | 12.00% | 10.00% |
| 58 | KAN COLO HOISINGTON | 12.36% | 8.50% |
| 59 | K C K FIREMEN & POLICE KANSAS CITY | 13.00% | 9.00% |
| 60 | KC FAIRFAX KANSAS CITY | 15.25% | 12.00% |
| 61 | HUTCHINSON GOVERNMENT EMPLOYEES Hutchinson | 21.14% | 9.14% |
Most community credit unions in Kansas accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.