Auto Loans · Laurel, Maryland
4 credit unions in Laurel report car loan rates to the NCUA. Rates range from 3.99% to 6.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.06%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | APL ★ 4.7 · 358 reviews | 3.99% | 3.99% |
| 2 | TOWER ★ 2.8 · 178 reviews | 4.74% | 4.74% |
| 3 | MARKET USA ★ 3.3 · 94 reviews | 4.74% | 9.24% |
| 4 | W S S C ★ 4.4 · 10 reviews | 6.75% | 7.24% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | APL ★ 4.7 · 358 reviews | 3.99% | 3.99% |
| 2 | TOWER ★ 2.8 · 178 reviews | 4.74% | 4.74% |
| 3 | W S S C ★ 4.4 · 10 reviews | 7.24% | 6.75% |
| 4 | MARKET USA ★ 3.3 · 94 reviews | 9.24% | 4.74% |
A pre-approval from a Laurel 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 Laurel in the same window and take the best offer.
See member reviews, branch locations, and full rate details.