Auto Loans · Baltimore, Maryland
9 credit unions in Baltimore report car loan rates to the NCUA. Rates range from 2.99% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
2.99%
Lowest New Car Rate
4.97%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | POST OFFICE CU OF MD, INC. ★ 3.5 · 14 reviews | 2.99% | 2.99% |
| 2 | CENTRAL CREDIT UNION OF MARYLAND,IN ★ 2.9 · 25 reviews | 4.03% | 5.06% |
| 3 | MUNICIPAL EMPL.CREDIT UNION OF BALT ★ 2.0 · 239 reviews | 4.99% | 5.74% |
| 4 | SECURITYPLUS ★ 4.0 · 129 reviews | 4.99% | 5.49% |
| 5 | LM ★ 4.1 · 16 reviews | 4.99% | 5.24% |
| 6 | FIVE STAR OF MARYLAND ★ 4.6 · 16 reviews | 5.07% | 6.76% |
| 7 | DESTINATIONS CREDIT UNION ★ 4.1 · 80 reviews | 5.24% | 2.49% |
| 8 | JOHNS HOPKINS ★ 3.8 · 162 reviews | 5.47% | 5.97% |
| 9 | LOCAL 355 MD ★ 3.3 · 24 reviews | 7.00% | 7.00% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DESTINATIONS CREDIT UNION ★ 4.1 · 80 reviews | 2.49% | 5.24% |
| 2 | POST OFFICE CU OF MD, INC. ★ 3.5 · 14 reviews | 2.99% | 2.99% |
| 3 | CENTRAL CREDIT UNION OF MARYLAND,IN ★ 2.9 · 25 reviews | 5.06% | 4.03% |
| 4 | LM ★ 4.1 · 16 reviews | 5.24% | 4.99% |
| 5 | SECURITYPLUS ★ 4.0 · 129 reviews | 5.49% | 4.99% |
| 6 | MUNICIPAL EMPL.CREDIT UNION OF BALT ★ 2.0 · 239 reviews | 5.74% | 4.99% |
| 7 | JOHNS HOPKINS ★ 3.8 · 162 reviews | 5.97% | 5.47% |
| 8 | FIVE STAR OF MARYLAND ★ 4.6 · 16 reviews | 6.76% | 5.07% |
| 9 | LOCAL 355 MD ★ 3.3 · 24 reviews | 7.00% | 7.00% |
A pre-approval from a Baltimore 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 Baltimore in the same window and take the best offer.
See member reviews, branch locations, and full rate details.