Auto Loans · Missouri
87 credit unions in Missouri report car loan rates to the NCUA. Rates range from 2.75% to 8.75%.
Updated Q1 2026 · NCUA Call Report data
87
CUs Reporting Rates
2.75%
Lowest New Car Rate
5.69%
State Average Rate
47
Cities Covered
87 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WEDEVELOPMENT Kansas City | 2.75% | 7.92% |
| 2 | CO - LIB Saint Louis | 2.99% | 2.99% |
| 3 | BURLINGTON NORTHTOWN COMMUNITY North Kansas Ci | 3.49% | 3.99% |
| 4 | SUMMIT RIDGE LEES SUMMIT | 3.90% | 3.90% |
| 5 | CIVIC CENTRAL Jefferson City | 3.99% | 4.25% |
| 6 | INDEPENDENCE TEACHERS Independence | 4.05% | 5.51% |
| 7 | ST. LOUIS NEWSPAPER CARRIERS Fenton | 4.24% | 4.24% |
| 8 | MULTI-STATES SPRINGFIELD | 4.24% | 4.49% |
| 9 | CSD KANSAS CITY | 4.49% | 4.49% |
| 10 | NEIGHBORS Saint Louis | 4.49% | 4.49% |
| 11 | PATRIOT Saint Louis | 4.52% | 5.19% |
| 12 | SOUTH CENTRAL MISSOURI Willow Springs | 4.53% | 6.92% |
| 13 | TOGETHER Saint Louis | 4.64% | 4.99% |
| 14 | UNITED Mexico | 4.69% | 4.94% |
| 15 | DE SOTO MO PAC De Soto | 4.71% | 6.00% |
| 16 | DEXTER PUBLIC SCHOOLS Dexter | 4.75% | 5.75% |
| 17 | FEDCO Jefferson City | 4.75% | 5.00% |
| 18 | NORTHEAST REGIONAL HANNIBAL | 4.84% | 7.35% |
| 19 | SHELTER INSURANCE Columbia | 4.86% | 5.06% |
| 20 | UNITED LABOR Raytown | 4.89% | 5.79% |
| 21 | RAYTOWN-LEE'S SUMMIT COMMUNITY RAYTOWN | 4.99% | 4.99% |
| 22 | ST. AUGUSTINE Kelso | 5.00% | 7.00% |
| 23 | MISSOURI ELECTRIC COOPERATIVES EMPL Jefferson City | 5.00% | 5.75% |
| 24 | MEMBERS 1ST Saint Louis | 5.07% | 5.08% |
| 25 | BOTHWELL HOSPITAL EMPLOYEES SEDALIA | 5.11% | 7.83% |
| 26 | LEADCO COMMUNITY Farmington | 5.17% | 5.80% |
| 27 | CONSERVATION EMPLOYEES Jefferson City | 5.19% | 5.12% |
| 28 | PUBLIC SAFETY Kansas City | 5.19% | 5.19% |
| 29 | ASSEMBLIES OF GOD Springfield | 5.20% | 6.67% |
| 30 | LEGACY Joplin | 5.22% | 6.79% |
| 31 | GATEWAY METRO Saint Louis | 5.25% | 5.75% |
| 32 | DIVISION #6 HIGHWAY Chesterfield | 5.27% | 6.24% |
| 33 | ACADEMIC EMPLOYEES Columbia | 5.33% | 7.12% |
| 34 | COMMUNITY FIRST HANNIBAL | 5.37% | 7.84% |
| 35 | FIRST COMMUNITY Chesterfield | 5.41% | 5.91% |
| 36 | VOLT Springfield | 5.49% | 7.49% |
| 37 | HEALTH CARE FAMILY Saint Louis | 5.50% | 6.23% |
| 38 | GREAT PLAINS JOPLIN | 5.50% | 6.25% |
| 39 | STATIONERY Saint Joseph | 5.50% | 5.50% |
| 40 | SHOW-ME Mexico | 5.51% | 6.99% |
| 41 | CITY Independence | 5.52% | 5.94% |
| 42 | OUR LADY OF SNOWS Henley | 5.55% | 6.75% |
| 43 | ST. JOSEPH TEACHERS' SAINT JOSEPH | 5.59% | 7.56% |
| 44 | SIKESTON PUBLIC SCHOOLS Sikeston | 5.62% | 7.60% |
| 45 | JOPLIN METRO JOPLIN | 5.63% | 7.34% |
| 46 | EDUCATIONAL COMMUNITY Springfield | 5.74% | 5.74% |
| 47 | DISTRICT ONE HIGHWAY SAINT JOSEPH | 5.75% | 7.50% |
| 48 | CATHOLIC FAMILY Kansas City | 5.75% | 5.75% |
| 49 | MULTIPLI Jefferson City | 5.75% | 6.50% |
| 50 | HORIZON Macon | 5.78% | 7.46% |
| 51 | MISSOURI BAPTIST Jefferson City | 5.85% | 6.70% |
| 52 | NORTHWEST MISSOURI REGIONAL MARYVILLE | 5.88% | 8.00% |
| 53 | CENTURY SAINT LOUIS | 5.90% | 6.78% |
| 54 | BLUCURRENT SPRINGFIELD | 5.94% | 8.42% |
| 55 | VANTAGE Saint Charles | 5.99% | 6.49% |
| 56 | WEST COMMUNITY O Fallon | 5.99% | 7.77% |
| 57 | J C FEDERAL EMPLOYEES Jefferson City | 6.00% | 10.50% |
| 58 | GOETZ ST JOSEPH | 6.00% | 6.75% |
| 59 | ST. LOUIS POLICEMEN`S saint louis | 6.00% | 7.00% |
| 60 | ARSENAL Arnold | 6.00% | 6.75% |
| 61 | CENTRAL MISSOURI COMMUNITY WARRENSBURG | 6.00% | 6.50% |
| 62 | SOUTHEAST MISSOURI COMMUNITY Park Hills | 6.01% | 7.87% |
| 63 | FIRST MISSOURI Saint Louis | 6.02% | 7.10% |
| 64 | COUNTY Clayton | 6.06% | 7.10% |
| 65 | RIVERWAYS Rolla | 6.13% | 8.77% |
| 66 | INFUZE Fort Leonard Wo | 6.23% | 7.16% |
| 67 | TELCOMM Springfield | 6.30% | 8.21% |
| 68 | FOUNDATION Springfield | 6.32% | 7.51% |
| 69 | OZARK Poplar Bluff | 6.35% | 6.38% |
| 70 | ALLIANCE Fenton | 6.36% | 6.44% |
| 71 | LUTHERAN Saint Louis | 6.36% | 6.37% |
| 72 | COLUMBIA Columbia | 6.54% | 7.33% |
| 73 | HIGHWAY CROSSROADS Sikeston | 6.67% | 9.14% |
| 74 | HIGHWAY ALLIANCE Jefferson city | 6.70% | 8.09% |
| 75 | R G RAYMORE | 6.84% | 8.35% |
| 76 | METRO Springfield | 6.99% | 6.79% |
| 77 | K.C. AREA KANSAS CITY | 6.99% | 10.49% |
| 78 | LOVERS LANE Saint Joseph | 7.00% | 8.00% |
| 79 | BLUESCOPE EMPLOYEES' KANSAS CITY | 7.00% | 8.00% |
| 80 | KC UNIDOS Kansas City | 7.46% | 10.00% |
| 81 | UNITED CONSUMERS INDEPENDENCE | 7.49% | 8.44% |
| 82 | ALLTRU WENTZVILLE | 7.96% | 9.49% |
| 83 | KANSAS CITY KANSAS CITY | 8.06% | 9.51% |
| 84 | ST. LOUIS COMMUNITY Saint Louis | 8.27% | 9.61% |
| 85 | HOLY ROSARY KANSAS CITY | 8.41% | 9.46% |
| 86 | MISSOURI CENTRAL Lees Summit | 8.63% | 7.57% |
| 87 | POSTAL & COMMUNITY Saint Joseph | 8.75% | 9.75% |
87 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CO - LIB Saint Louis | 2.99% | 2.99% |
| 2 | SUMMIT RIDGE LEES SUMMIT | 3.90% | 3.90% |
| 3 | BURLINGTON NORTHTOWN COMMUNITY North Kansas Ci | 3.99% | 3.49% |
| 4 | ST. LOUIS NEWSPAPER CARRIERS Fenton | 4.24% | 4.24% |
| 5 | CIVIC CENTRAL Jefferson City | 4.25% | 3.99% |
| 6 | MULTI-STATES SPRINGFIELD | 4.49% | 4.24% |
| 7 | CSD KANSAS CITY | 4.49% | 4.49% |
| 8 | NEIGHBORS Saint Louis | 4.49% | 4.49% |
| 9 | UNITED Mexico | 4.94% | 4.69% |
| 10 | TOGETHER Saint Louis | 4.99% | 4.64% |
| 11 | RAYTOWN-LEE'S SUMMIT COMMUNITY RAYTOWN | 4.99% | 4.99% |
| 12 | FEDCO Jefferson City | 5.00% | 4.75% |
| 13 | SHELTER INSURANCE Columbia | 5.06% | 4.86% |
| 14 | MEMBERS 1ST Saint Louis | 5.08% | 5.07% |
| 15 | CONSERVATION EMPLOYEES Jefferson City | 5.12% | 5.19% |
| 16 | PATRIOT Saint Louis | 5.19% | 4.52% |
| 17 | PUBLIC SAFETY Kansas City | 5.19% | 5.19% |
| 18 | STATIONERY Saint Joseph | 5.50% | 5.50% |
| 19 | INDEPENDENCE TEACHERS Independence | 5.51% | 4.05% |
| 20 | EDUCATIONAL COMMUNITY Springfield | 5.74% | 5.74% |
| 21 | DEXTER PUBLIC SCHOOLS Dexter | 5.75% | 4.75% |
| 22 | MISSOURI ELECTRIC COOPERATIVES EMPL Jefferson City | 5.75% | 5.00% |
| 23 | GATEWAY METRO Saint Louis | 5.75% | 5.25% |
| 24 | CATHOLIC FAMILY Kansas City | 5.75% | 5.75% |
| 25 | UNITED LABOR Raytown | 5.79% | 4.89% |
| 26 | LEADCO COMMUNITY Farmington | 5.80% | 5.17% |
| 27 | FIRST COMMUNITY Chesterfield | 5.91% | 5.41% |
| 28 | CITY Independence | 5.94% | 5.52% |
| 29 | DE SOTO MO PAC De Soto | 6.00% | 4.71% |
| 30 | HEALTH CARE FAMILY Saint Louis | 6.23% | 5.50% |
| 31 | DIVISION #6 HIGHWAY Chesterfield | 6.24% | 5.27% |
| 32 | GREAT PLAINS JOPLIN | 6.25% | 5.50% |
| 33 | LUTHERAN Saint Louis | 6.37% | 6.36% |
| 34 | OZARK Poplar Bluff | 6.38% | 6.35% |
| 35 | ALLIANCE Fenton | 6.44% | 6.36% |
| 36 | VANTAGE Saint Charles | 6.49% | 5.99% |
| 37 | MULTIPLI Jefferson City | 6.50% | 5.75% |
| 38 | CENTRAL MISSOURI COMMUNITY WARRENSBURG | 6.50% | 6.00% |
| 39 | ASSEMBLIES OF GOD Springfield | 6.67% | 5.20% |
| 40 | MISSOURI BAPTIST Jefferson City | 6.70% | 5.85% |
| 41 | OUR LADY OF SNOWS Henley | 6.75% | 5.55% |
| 42 | GOETZ ST JOSEPH | 6.75% | 6.00% |
| 43 | ARSENAL Arnold | 6.75% | 6.00% |
| 44 | CENTURY SAINT LOUIS | 6.78% | 5.90% |
| 45 | LEGACY Joplin | 6.79% | 5.22% |
| 46 | METRO Springfield | 6.79% | 6.99% |
| 47 | SOUTH CENTRAL MISSOURI Willow Springs | 6.92% | 4.53% |
| 48 | SHOW-ME Mexico | 6.99% | 5.51% |
| 49 | ST. AUGUSTINE Kelso | 7.00% | 5.00% |
| 50 | ST. LOUIS POLICEMEN`S saint louis | 7.00% | 6.00% |
| 51 | FIRST MISSOURI Saint Louis | 7.10% | 6.02% |
| 52 | COUNTY Clayton | 7.10% | 6.06% |
| 53 | ACADEMIC EMPLOYEES Columbia | 7.12% | 5.33% |
| 54 | INFUZE Fort Leonard Wo | 7.16% | 6.23% |
| 55 | COLUMBIA Columbia | 7.33% | 6.54% |
| 56 | JOPLIN METRO JOPLIN | 7.34% | 5.63% |
| 57 | NORTHEAST REGIONAL HANNIBAL | 7.35% | 4.84% |
| 58 | HORIZON Macon | 7.46% | 5.78% |
| 59 | VOLT Springfield | 7.49% | 5.49% |
| 60 | DISTRICT ONE HIGHWAY SAINT JOSEPH | 7.50% | 5.75% |
| 61 | FOUNDATION Springfield | 7.51% | 6.32% |
| 62 | ST. JOSEPH TEACHERS' SAINT JOSEPH | 7.56% | 5.59% |
| 63 | MISSOURI CENTRAL Lees Summit | 7.57% | 8.63% |
| 64 | SIKESTON PUBLIC SCHOOLS Sikeston | 7.60% | 5.62% |
| 65 | WEST COMMUNITY O Fallon | 7.77% | 5.99% |
| 66 | BOTHWELL HOSPITAL EMPLOYEES SEDALIA | 7.83% | 5.11% |
| 67 | COMMUNITY FIRST HANNIBAL | 7.84% | 5.37% |
| 68 | SOUTHEAST MISSOURI COMMUNITY Park Hills | 7.87% | 6.01% |
| 69 | WEDEVELOPMENT Kansas City | 7.92% | 2.75% |
| 70 | NORTHWEST MISSOURI REGIONAL MARYVILLE | 8.00% | 5.88% |
| 71 | LOVERS LANE Saint Joseph | 8.00% | 7.00% |
| 72 | BLUESCOPE EMPLOYEES' KANSAS CITY | 8.00% | 7.00% |
| 73 | HIGHWAY ALLIANCE Jefferson city | 8.09% | 6.70% |
| 74 | TELCOMM Springfield | 8.21% | 6.30% |
| 75 | R G RAYMORE | 8.35% | 6.84% |
| 76 | BLUCURRENT SPRINGFIELD | 8.42% | 5.94% |
| 77 | UNITED CONSUMERS INDEPENDENCE | 8.44% | 7.49% |
| 78 | RIVERWAYS Rolla | 8.77% | 6.13% |
| 79 | HIGHWAY CROSSROADS Sikeston | 9.14% | 6.67% |
| 80 | HOLY ROSARY KANSAS CITY | 9.46% | 8.41% |
| 81 | ALLTRU WENTZVILLE | 9.49% | 7.96% |
| 82 | KANSAS CITY KANSAS CITY | 9.51% | 8.06% |
| 83 | ST. LOUIS COMMUNITY Saint Louis | 9.61% | 8.27% |
| 84 | POSTAL & COMMUNITY Saint Joseph | 9.75% | 8.75% |
| 85 | KC UNIDOS Kansas City | 10.00% | 7.46% |
| 86 | K.C. AREA KANSAS CITY | 10.49% | 6.99% |
| 87 | J C FEDERAL EMPLOYEES Jefferson City | 10.50% | 6.00% |
Most community credit unions in Missouri 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.