Auto Loans · Columbia, Missouri
3 credit unions in Columbia report car loan rates to the NCUA. Rates range from 4.86% to 6.54%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.86%
Lowest New Car Rate
5.58%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SHELTER INSURANCE ★ 4.8 · 4 reviews | 4.86% | 5.06% |
| 2 | ACADEMIC EMPLOYEES ★ 4.7 · 15 reviews | 5.33% | 7.12% |
| 3 | COLUMBIA ★ 4.3 · 75 reviews | 6.54% | 7.33% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SHELTER INSURANCE ★ 4.8 · 4 reviews | 5.06% | 4.86% |
| 2 | ACADEMIC EMPLOYEES ★ 4.7 · 15 reviews | 7.12% | 5.33% |
| 3 | COLUMBIA ★ 4.3 · 75 reviews | 7.33% | 6.54% |
A pre-approval from a Columbia 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 Columbia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.