Auto Loans · Baton Rouge, Louisiana
17 credit unions in Baton Rouge report car loan rates to the NCUA. Rates range from 2.49% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
17
CUs Reporting Rates
2.49%
Lowest New Car Rate
6.12%
City Average Rate
17 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTHERN TEACHERS & PARENTS ★ 4.8 · 53 reviews | 2.49% | 7.25% |
| 2 | BATON ROUGE CITY PARISH EMP ★ 3.4 · 29 reviews | 4.92% | 5.09% |
| 3 | LES ★ 4.3 · 12 reviews | 5.10% | 6.35% |
| 4 | BATON ROUGE FIRE DEPARTMENT | 5.54% | 6.88% |
| 5 | NEIGHBORS ★ 4.1 · 147 reviews | 5.59% | 5.59% |
| 6 | EAGLE LOUISIANA ★ 3.3 · 23 reviews | 5.64% | 5.49% |
| 7 | LA CAPITOL ★ 3.5 · 42 reviews | 5.86% | 8.19% |
| 8 | DEPARTMENT OF CORRECTIONS ★ 4.5 · 20 reviews | 6.12% | 6.12% |
| 9 | BAYOU ★ 2.7 · 7 reviews | 6.23% | 6.65% |
| 10 | BATON ROUGE TELCO ★ 4.9 · 654 reviews | 6.34% | 6.65% |
| 11 | CAMPUS ★ 3.4 · 20 reviews | 6.39% | 6.14% |
| 12 | FORMATION ★ 4.6 · 105 reviews | 6.51% | 6.94% |
| 13 | EFCU FINANCIAL ★ 4.5 · 106 reviews | 6.99% | 6.99% |
| 14 | BRECO ★ 4.0 · 30 reviews | 7.29% | 7.49% |
| 15 | ESSENTIAL ★ 3.8 · 66 reviews | 7.42% | 7.85% |
| 16 | PELICAN ★ 4.4 · 220 reviews | 7.63% | 8.05% |
| 17 | EAST BATON ROUGE TEACHERS ★ 4.4 · 12 reviews | 8.00% | 9.00% |
17 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BATON ROUGE CITY PARISH EMP ★ 3.4 · 29 reviews | 5.09% | 4.92% |
| 2 | EAGLE LOUISIANA ★ 3.3 · 23 reviews | 5.49% | 5.64% |
| 3 | NEIGHBORS ★ 4.1 · 147 reviews | 5.59% | 5.59% |
| 4 | DEPARTMENT OF CORRECTIONS ★ 4.5 · 20 reviews | 6.12% | 6.12% |
| 5 | CAMPUS ★ 3.4 · 20 reviews | 6.14% | 6.39% |
| 6 | LES ★ 4.3 · 12 reviews | 6.35% | 5.10% |
| 7 | BAYOU ★ 2.7 · 7 reviews | 6.65% | 6.23% |
| 8 | BATON ROUGE TELCO ★ 4.9 · 654 reviews | 6.65% | 6.34% |
| 9 | BATON ROUGE FIRE DEPARTMENT | 6.88% | 5.54% |
| 10 | FORMATION ★ 4.6 · 105 reviews | 6.94% | 6.51% |
| 11 | EFCU FINANCIAL ★ 4.5 · 106 reviews | 6.99% | 6.99% |
| 12 | SOUTHERN TEACHERS & PARENTS ★ 4.8 · 53 reviews | 7.25% | 2.49% |
| 13 | BRECO ★ 4.0 · 30 reviews | 7.49% | 7.29% |
| 14 | ESSENTIAL ★ 3.8 · 66 reviews | 7.85% | 7.42% |
| 15 | PELICAN ★ 4.4 · 220 reviews | 8.05% | 7.63% |
| 16 | LA CAPITOL ★ 3.5 · 42 reviews | 8.19% | 5.86% |
| 17 | EAST BATON ROUGE TEACHERS ★ 4.4 · 12 reviews | 9.00% | 8.00% |
A pre-approval from a Baton Rouge 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 Baton Rouge in the same window and take the best offer.
See member reviews, branch locations, and full rate details.