Auto Loans · Saint Louis, Missouri
12 credit unions in Saint Louis report car loan rates to the NCUA. Rates range from 2.99% to 8.27%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
2.99%
Lowest New Car Rate
5.42%
City Average Rate
12 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CO - LIB | 2.99% | 2.99% |
| 2 | NEIGHBORS ★ 3.9 · 87 reviews | 4.49% | 4.49% |
| 3 | PATRIOT ★ 4.6 · 18 reviews | 4.52% | 5.19% |
| 4 | TOGETHER ★ 3.7 · 303 reviews | 4.64% | 4.99% |
| 5 | MEMBERS 1ST ★ 4.8 · 29 reviews | 5.07% | 5.08% |
| 6 | GATEWAY METRO ★ 3.7 · 34 reviews | 5.25% | 5.75% |
| 7 | HEALTH CARE FAMILY ★ 3.8 · 39 reviews | 5.50% | 6.23% |
| 8 | CENTURY ★ 4.6 · 240 reviews | 5.90% | 6.78% |
| 9 | ST. LOUIS POLICEMEN`S ★ 4.0 · 8 reviews | 6.00% | 7.00% |
| 10 | FIRST MISSOURI ★ 4.0 · 58 reviews | 6.02% | 7.10% |
| 11 | LUTHERAN | 6.36% | 6.37% |
| 12 | ST. LOUIS COMMUNITY ★ 2.7 · 196 reviews | 8.27% | 9.61% |
12 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CO - LIB | 2.99% | 2.99% |
| 2 | NEIGHBORS ★ 3.9 · 87 reviews | 4.49% | 4.49% |
| 3 | TOGETHER ★ 3.7 · 303 reviews | 4.99% | 4.64% |
| 4 | MEMBERS 1ST ★ 4.8 · 29 reviews | 5.08% | 5.07% |
| 5 | PATRIOT ★ 4.6 · 18 reviews | 5.19% | 4.52% |
| 6 | GATEWAY METRO ★ 3.7 · 34 reviews | 5.75% | 5.25% |
| 7 | HEALTH CARE FAMILY ★ 3.8 · 39 reviews | 6.23% | 5.50% |
| 8 | LUTHERAN | 6.37% | 6.36% |
| 9 | CENTURY ★ 4.6 · 240 reviews | 6.78% | 5.90% |
| 10 | ST. LOUIS POLICEMEN`S ★ 4.0 · 8 reviews | 7.00% | 6.00% |
| 11 | FIRST MISSOURI ★ 4.0 · 58 reviews | 7.10% | 6.02% |
| 12 | ST. LOUIS COMMUNITY ★ 2.7 · 196 reviews | 9.61% | 8.27% |
A pre-approval from a Saint Louis 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 Louis in the same window and take the best offer.
See member reviews, branch locations, and full rate details.