Auto Loans · Kentucky
51 credit unions in Kentucky report car loan rates to the NCUA. Rates range from 1.99% to 17.24%.
Updated Q1 2026 · NCUA Call Report data
51
CUs Reporting Rates
1.99%
Lowest New Car Rate
5.92%
State Average Rate
29
Cities Covered
51 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MEMBERS HERITAGE Lexington | 1.99% | 1.99% |
| 2 | SERVICE ONE Bowling Green | 2.99% | 6.34% |
| 3 | SIGNET Paducah | 3.30% | 3.30% |
| 4 | THE HEALTH & EDUCATION Lexington | 3.99% | 3.99% |
| 5 | MOREHEAD COMMUNITY Morehead | 4.00% | 4.50% |
| 6 | MAIN IMPACT Murray | 4.48% | 5.78% |
| 7 | OWENSBORO Owensboro | 4.50% | 4.75% |
| 8 | OLD KENTUCKY HOME BARDSTOWN | 4.50% | 5.00% |
| 9 | BROWN-FORMAN EMPLOYEES LOUISVILLE | 4.50% | 5.50% |
| 10 | LEXINGTON POSTAL COMMUNITY Lexington | 4.75% | 4.75% |
| 11 | MSD LOUISVILLE | 4.75% | 6.50% |
| 12 | YOUR HOMETOWN Mayfield | 4.78% | 6.04% |
| 13 | LOUISVILLE FEDERAL Louisville | 4.79% | 5.99% |
| 14 | KUE Lexington | 4.88% | 5.89% |
| 15 | SHAWNEE TVA EMPLOYEES WEST PADUCAH | 4.99% | 4.99% |
| 16 | AUTOTRUCK FINANCIAL Louisville | 4.99% | 5.49% |
| 17 | NORTHERN KENTUCKY Highland Height | 5.00% | 5.00% |
| 18 | TAYCO EMPLOYEES South Shore | 5.00% | 6.00% |
| 19 | LAKE CHEM COMMUNITY Benton | 5.13% | 5.78% |
| 20 | C-PLANT PADUCAH | 5.15% | 5.99% |
| 21 | WHITESVILLE COMMUNITY Whitesville | 5.24% | 5.74% |
| 22 | CLASS ACT Louisville | 5.24% | 5.24% |
| 23 | LOUISVILLE GAS AND ELECTRIC COMPANY Louisville | 5.35% | 5.83% |
| 24 | BEACON COMMUNITY Louisville | 5.37% | 7.56% |
| 25 | TRANSCEND Louisville | 5.39% | 5.79% |
| 26 | F.C.I. ASHLAND Ashland | 5.49% | 7.49% |
| 27 | ABOUND Radcliff | 5.49% | 5.99% |
| 28 | COMMONWEALTH Frankfort | 5.49% | 5.74% |
| 29 | REGIONAL MEDICAL CTR HOPKINS CO EMP MADISONVILLE | 5.50% | 6.00% |
| 30 | KRAFTCOR Hawesville | 5.50% | 6.50% |
| 31 | AUDUBON Owensboro | 5.50% | 6.26% |
| 32 | GREEN RIVER AREA OWENSBORO | 5.58% | 7.06% |
| 33 | CORNING GLASS WORKS HARRODSBG Harrodsburg | 5.75% | 6.75% |
| 34 | COVE Edgewood | 5.80% | 6.44% |
| 35 | GREATER KENTUCKY CU, INC. LEXINGTON | 5.83% | 6.21% |
| 36 | ADVANZ Louisville | 5.89% | 6.30% |
| 37 | L & N Louisville | 6.15% | 7.65% |
| 38 | KEMBA LOUISVILLE Louisville | 6.18% | 7.70% |
| 39 | ASHLAND ASHLAND | 6.49% | 7.24% |
| 40 | LABOR MANAGEMENT LEWISPORT | 6.50% | 8.00% |
| 41 | UNIVERSITY OF KENTUCKY Lexington | 6.65% | 6.85% |
| 42 | W B H EMPLOYEES Paducah | 6.72% | 9.93% |
| 43 | MEMBERS CHOICE ASHLAND | 6.74% | 6.74% |
| 44 | DAVIESS COUNTY TEACHERS Owensboro | 6.75% | 9.00% |
| 45 | ARH MIDDLESBORO | 6.99% | 8.99% |
| 46 | METRO PLUS Lexington | 7.79% | 8.29% |
| 47 | EXPREE Frankfort | 8.08% | 9.98% |
| 48 | BLUEGRASS COMMUNITY Ashland | 8.74% | 7.34% |
| 49 | PARK Louisville | 11.49% | 8.49% |
| 50 | DOE RUN BRANDENBURG | 12.49% | 13.49% |
| 51 | K I T Louisville | 17.24% | 8.99% |
52 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MEMBERS HERITAGE Lexington | 1.99% | 1.99% |
| 2 | SIGNET Paducah | 3.30% | 3.30% |
| 3 | THE HEALTH & EDUCATION Lexington | 3.99% | 3.99% |
| 4 | MOREHEAD COMMUNITY Morehead | 4.50% | 4.00% |
| 5 | OWENSBORO Owensboro | 4.75% | 4.50% |
| 6 | LEXINGTON POSTAL COMMUNITY Lexington | 4.75% | 4.75% |
| 7 | SHAWNEE TVA EMPLOYEES WEST PADUCAH | 4.99% | 4.99% |
| 8 | OLD KENTUCKY HOME BARDSTOWN | 5.00% | 4.50% |
| 9 | NORTHERN KENTUCKY Highland Height | 5.00% | 5.00% |
| 10 | CLASS ACT Louisville | 5.24% | 5.24% |
| 11 | AUTOTRUCK FINANCIAL Louisville | 5.49% | 4.99% |
| 12 | BROWN-FORMAN EMPLOYEES LOUISVILLE | 5.50% | 4.50% |
| 13 | WHITESVILLE COMMUNITY Whitesville | 5.74% | 5.24% |
| 14 | COMMONWEALTH Frankfort | 5.74% | 5.49% |
| 15 | MAIN IMPACT Murray | 5.78% | 4.48% |
| 16 | LAKE CHEM COMMUNITY Benton | 5.78% | 5.13% |
| 17 | TRANSCEND Louisville | 5.79% | 5.39% |
| 18 | LOUISVILLE GAS AND ELECTRIC COMPANY Louisville | 5.83% | 5.35% |
| 19 | KUE Lexington | 5.89% | 4.88% |
| 20 | LOUISVILLE FEDERAL Louisville | 5.99% | 4.79% |
| 21 | C-PLANT PADUCAH | 5.99% | 5.15% |
| 22 | ABOUND Radcliff | 5.99% | 5.49% |
| 23 | TAYCO EMPLOYEES South Shore | 6.00% | 5.00% |
| 24 | REGIONAL MEDICAL CTR HOPKINS CO EMP MADISONVILLE | 6.00% | 5.50% |
| 25 | YOUR HOMETOWN Mayfield | 6.04% | 4.78% |
| 26 | GREATER KENTUCKY CU, INC. LEXINGTON | 6.21% | 5.83% |
| 27 | AUDUBON Owensboro | 6.26% | 5.50% |
| 28 | ADVANZ Louisville | 6.30% | 5.89% |
| 29 | SERVICE ONE Bowling Green | 6.34% | 2.99% |
| 30 | COVE Edgewood | 6.44% | 5.80% |
| 31 | MSD LOUISVILLE | 6.50% | 4.75% |
| 32 | KRAFTCOR Hawesville | 6.50% | 5.50% |
| 33 | MEMBERS CHOICE ASHLAND | 6.74% | 6.74% |
| 34 | CORNING GLASS WORKS HARRODSBG Harrodsburg | 6.75% | 5.75% |
| 35 | UNIVERSITY OF KENTUCKY Lexington | 6.85% | 6.65% |
| 36 | GREEN RIVER AREA OWENSBORO | 7.06% | 5.58% |
| 37 | ASHLAND ASHLAND | 7.24% | 6.49% |
| 38 | BLUEGRASS COMMUNITY Ashland | 7.34% | 8.74% |
| 39 | F.C.I. ASHLAND Ashland | 7.49% | 5.49% |
| 40 | BEACON COMMUNITY Louisville | 7.56% | 5.37% |
| 41 | L & N Louisville | 7.65% | 6.15% |
| 42 | KEMBA LOUISVILLE Louisville | 7.70% | 6.18% |
| 43 | LABOR MANAGEMENT LEWISPORT | 8.00% | 6.50% |
| 44 | METRO PLUS Lexington | 8.29% | 7.79% |
| 45 | PARK Louisville | 8.49% | 11.49% |
| 46 | ARH MIDDLESBORO | 8.99% | 6.99% |
| 47 | K I T Louisville | 8.99% | 17.24% |
| 48 | DAVIESS COUNTY TEACHERS Owensboro | 9.00% | 6.75% |
| 49 | W B H EMPLOYEES Paducah | 9.93% | 6.72% |
| 50 | EXPREE Frankfort | 9.98% | 8.08% |
| 51 | YOUNG COMMUNITY LOUISVILLE | 10.97% | — |
| 52 | DOE RUN BRANDENBURG | 13.49% | 12.49% |
Most community credit unions in Kentucky 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.