Auto Loans · Springfield, Missouri
8 credit unions in Springfield report car loan rates to the NCUA. Rates range from 4.24% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
4.24%
Lowest New Car Rate
5.78%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MULTI-STATES ★ 4.3 · 20 reviews | 4.24% | 4.49% |
| 2 | ASSEMBLIES OF GOD ★ 3.8 · 32 reviews | 5.20% | 6.67% |
| 3 | VOLT ★ 3.9 · 85 reviews | 5.49% | 7.49% |
| 4 | EDUCATIONAL COMMUNITY ★ 3.3 · 42 reviews | 5.74% | 5.74% |
| 5 | BLUCURRENT ★ 4.2 · 431 reviews | 5.94% | 8.42% |
| 6 | TELCOMM ★ 4.0 · 199 reviews | 6.30% | 8.21% |
| 7 | FOUNDATION ★ 4.7 · 207 reviews | 6.32% | 7.51% |
| 8 | METRO ★ 4.8 · 88 reviews | 6.99% | 6.79% |
8 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MULTI-STATES ★ 4.3 · 20 reviews | 4.49% | 4.24% |
| 2 | EDUCATIONAL COMMUNITY ★ 3.3 · 42 reviews | 5.74% | 5.74% |
| 3 | ASSEMBLIES OF GOD ★ 3.8 · 32 reviews | 6.67% | 5.20% |
| 4 | METRO ★ 4.8 · 88 reviews | 6.79% | 6.99% |
| 5 | VOLT ★ 3.9 · 85 reviews | 7.49% | 5.49% |
| 6 | FOUNDATION ★ 4.7 · 207 reviews | 7.51% | 6.32% |
| 7 | TELCOMM ★ 4.0 · 199 reviews | 8.21% | 6.30% |
| 8 | BLUCURRENT ★ 4.2 · 431 reviews | 8.42% | 5.94% |
A pre-approval from a Springfield 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 Springfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.