Auto Loans · Saint Joseph, Missouri
5 credit unions in Saint Joseph report car loan rates to the NCUA. Rates range from 5.50% to 8.75%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
5.50%
Lowest New Car Rate
6.52%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | STATIONERY ★ 3.6 · 23 reviews | 5.50% | 5.50% |
| 2 | ST. JOSEPH TEACHERS' ★ 5.0 · 3 reviews | 5.59% | 7.56% |
| 3 | DISTRICT ONE HIGHWAY ★ 5.0 · 3 reviews | 5.75% | 7.50% |
| 4 | LOVERS LANE ★ 3.8 · 10 reviews | 7.00% | 8.00% |
| 5 | POSTAL & COMMUNITY ★ 3.4 · 48 reviews | 8.75% | 9.75% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | STATIONERY ★ 3.6 · 23 reviews | 5.50% | 5.50% |
| 2 | DISTRICT ONE HIGHWAY ★ 5.0 · 3 reviews | 7.50% | 5.75% |
| 3 | ST. JOSEPH TEACHERS' ★ 5.0 · 3 reviews | 7.56% | 5.59% |
| 4 | LOVERS LANE ★ 3.8 · 10 reviews | 8.00% | 7.00% |
| 5 | POSTAL & COMMUNITY ★ 3.4 · 48 reviews | 9.75% | 8.75% |
A pre-approval from a Saint Joseph 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 Saint Joseph in the same window and take the best offer.
See member reviews, branch locations, and full rate details.