Auto Loans · Paducah, Kentucky
3 credit unions in Paducah report car loan rates to the NCUA. Rates range from 3.30% to 6.72%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.30%
Lowest New Car Rate
5.06%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SIGNET ★ 3.5 · 16 reviews | 3.30% | 3.30% |
| 2 | C-PLANT ★ 3.6 · 15 reviews | 5.15% | 5.99% |
| 3 | W B H EMPLOYEES ★ 3.9 · 9 reviews | 6.72% | 9.93% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SIGNET ★ 3.5 · 16 reviews | 3.30% | 3.30% |
| 2 | C-PLANT ★ 3.6 · 15 reviews | 5.99% | 5.15% |
| 3 | W B H EMPLOYEES ★ 3.9 · 9 reviews | 9.93% | 6.72% |
A pre-approval from a Paducah 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 Paducah in the same window and take the best offer.
See member reviews, branch locations, and full rate details.