Auto Loans · Raytown, Missouri
2 credit unions in Raytown report car loan rates to the NCUA. Rates range from 4.89% to 4.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.89%
Lowest New Car Rate
4.94%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNITED LABOR ★ 3.8 · 27 reviews | 4.89% | 5.79% |
| 2 | RAYTOWN-LEE'S SUMMIT COMMUNITY ★ 3.4 · 52 reviews | 4.99% | 4.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RAYTOWN-LEE'S SUMMIT COMMUNITY ★ 3.4 · 52 reviews | 4.99% | 4.99% |
| 2 | UNITED LABOR ★ 3.8 · 27 reviews | 5.79% | 4.89% |
A pre-approval from a Raytown 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 Raytown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.