Auto Loans · Nebraska
49 credit unions in Nebraska report car loan rates to the NCUA. Rates range from 2.79% to 8.50%.
Updated Q1 2026 · NCUA Call Report data
49
CUs Reporting Rates
2.79%
Lowest New Car Rate
5.52%
State Average Rate
25
Cities Covered
49 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FOUR POINTS Omaha | 2.79% | 6.25% |
| 2 | MEADOW GROVE MEADOW GROVE | 3.80% | 8.65% |
| 3 | U.P. CONNECTION OMAHA | 3.99% | 3.49% |
| 4 | SIOUXLAND South Sioux Cit | 4.50% | 5.00% |
| 5 | LINCONE LINCOLN | 4.50% | 5.25% |
| 6 | LINCOLN PUBLIC SCHOOL EMPLOYEES Lincoln | 4.50% | 5.75% |
| 7 | FIRST NEBRASKA OMAHA | 4.56% | 6.99% |
| 8 | CENTRAL NEBRASKA Grand Island | 4.59% | 6.29% |
| 9 | ROBERTS DAIRY EMPLOYEES OMAHA | 4.63% | 7.76% |
| 10 | UNION PACIFIC STREAMLINER Omaha | 4.65% | 4.80% |
| 11 | FIRST LINCOLN Lincoln | 4.68% | 6.73% |
| 12 | MEMBERSOWN Lincoln | 4.75% | 4.75% |
| 13 | BOX BUTTE PUBLIC EMPLOYEES ALLIANCE | 4.75% | 11.25% |
| 14 | NEIGHBORHOOD COMMUNITY Omaha | 4.85% | 6.10% |
| 15 | OMAHA FIREFIGHTERS Omaha | 4.88% | 5.72% |
| 16 | OMAHA POLICE Omaha | 4.92% | 6.02% |
| 17 | NORTHEAST NEBRASKA Norfolk | 4.99% | 4.99% |
| 18 | LIBERTY FIRST Lincoln | 4.99% | 4.99% |
| 19 | ELECTRICAL WORKERS NO 22 OMAHA | 5.00% | 7.00% |
| 20 | OMAHA OMAHA | 5.04% | 6.69% |
| 21 | NEBRASKA STATE EMPLOYEES LINCOLN | 5.10% | 5.25% |
| 22 | OMAHA PUBLIC POWER DIST EMP Omaha | 5.10% | 6.00% |
| 23 | NEBRASKA ENERGY COLUMBUS | 5.13% | 6.95% |
| 24 | METRO CU OMAHA | 5.15% | 5.88% |
| 25 | OMAHA DOUGLAS OMAHA | 5.25% | 5.75% |
| 26 | MUTUAL FIRST Omaha | 5.49% | 6.49% |
| 27 | SUGAR VALLEY SCOTTSBLUFF | 5.65% | 7.90% |
| 28 | LINCOLN S.D.A. LINCOLN | 5.70% | 8.13% |
| 29 | HASTINGS Hastings | 5.73% | 7.34% |
| 30 | CONSUMERS COOPERATIVE Alliance | 5.75% | 7.25% |
| 31 | TRIUS Kearney | 5.75% | 5.75% |
| 32 | KELLOGG MIDWEST LaVista | 5.75% | 7.74% |
| 33 | MIDWEST LIBERTY McCook | 5.80% | 8.05% |
| 34 | CHADRON CHADRON | 5.81% | 9.11% |
| 35 | ONENEBRASKA Columbus | 5.83% | 7.73% |
| 36 | LOCAL 265 IBEW LINCOLN | 6.00% | 6.00% |
| 37 | HEMINGFORD COMMUNITY HEMINGFORD | 6.00% | 7.00% |
| 38 | GALLUP OMAHA | 6.12% | 6.31% |
| 39 | WOODMEN OMAHA | 6.24% | 6.49% |
| 40 | FAMILY FOCUS OMAHA | 6.31% | 7.93% |
| 41 | SPIRIT OF AMERICA LINCOLN | 6.50% | 8.00% |
| 42 | UNIVERSITY OF NEBRASKA Lincoln | 6.89% | 9.23% |
| 43 | OUR FAMILY SOCIAL Omaha | 6.99% | 9.99% |
| 44 | CENTRIS Omaha | 6.99% | 7.49% |
| 45 | PIONEER COMMUNITY PALISADE | 7.25% | 8.50% |
| 46 | NORTH PLATTE UNION PACIFIC EMPLOYEE North Platte | 7.25% | 7.75% |
| 47 | NEBRASKA RURAL COMMUNITY Morrill | 7.37% | 9.60% |
| 48 | ARCHER COOPERATIVE Archer | 7.81% | 10.81% |
| 49 | COBALT Papillion | 8.50% | 9.25% |
50 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | U.P. CONNECTION OMAHA | 3.49% | 3.99% |
| 2 | MEMBERSOWN Lincoln | 4.75% | 4.75% |
| 3 | UNION PACIFIC STREAMLINER Omaha | 4.80% | 4.65% |
| 4 | NORTHEAST NEBRASKA Norfolk | 4.99% | 4.99% |
| 5 | LIBERTY FIRST Lincoln | 4.99% | 4.99% |
| 6 | SIOUXLAND South Sioux Cit | 5.00% | 4.50% |
| 7 | LINCONE LINCOLN | 5.25% | 4.50% |
| 8 | NEBRASKA STATE EMPLOYEES LINCOLN | 5.25% | 5.10% |
| 9 | OMAHA FIREFIGHTERS Omaha | 5.72% | 4.88% |
| 10 | LINCOLN PUBLIC SCHOOL EMPLOYEES Lincoln | 5.75% | 4.50% |
| 11 | OMAHA DOUGLAS OMAHA | 5.75% | 5.25% |
| 12 | TRIUS Kearney | 5.75% | 5.75% |
| 13 | METRO CU OMAHA | 5.88% | 5.15% |
| 14 | OMAHA PUBLIC POWER DIST EMP Omaha | 6.00% | 5.10% |
| 15 | LOCAL 265 IBEW LINCOLN | 6.00% | 6.00% |
| 16 | OMAHA POLICE Omaha | 6.02% | 4.92% |
| 17 | NEIGHBORHOOD COMMUNITY Omaha | 6.10% | 4.85% |
| 18 | FOUR POINTS Omaha | 6.25% | 2.79% |
| 19 | CENTRAL NEBRASKA Grand Island | 6.29% | 4.59% |
| 20 | GALLUP OMAHA | 6.31% | 6.12% |
| 21 | MUTUAL FIRST Omaha | 6.49% | 5.49% |
| 22 | WOODMEN OMAHA | 6.49% | 6.24% |
| 23 | OMAHA OMAHA | 6.69% | 5.04% |
| 24 | FIRST LINCOLN Lincoln | 6.73% | 4.68% |
| 25 | NEBRASKA ENERGY COLUMBUS | 6.95% | 5.13% |
| 26 | FIRST NEBRASKA OMAHA | 6.99% | 4.56% |
| 27 | ELECTRICAL WORKERS NO 22 OMAHA | 7.00% | 5.00% |
| 28 | HEMINGFORD COMMUNITY HEMINGFORD | 7.00% | 6.00% |
| 29 | CONSUMERS COOPERATIVE Alliance | 7.25% | 5.75% |
| 30 | HASTINGS Hastings | 7.34% | 5.73% |
| 31 | CENTRIS Omaha | 7.49% | 6.99% |
| 32 | ONENEBRASKA Columbus | 7.73% | 5.83% |
| 33 | KELLOGG MIDWEST LaVista | 7.74% | 5.75% |
| 34 | NORTH PLATTE UNION PACIFIC EMPLOYEE North Platte | 7.75% | 7.25% |
| 35 | ROBERTS DAIRY EMPLOYEES OMAHA | 7.76% | 4.63% |
| 36 | SUGAR VALLEY SCOTTSBLUFF | 7.90% | 5.65% |
| 37 | FAMILY FOCUS OMAHA | 7.93% | 6.31% |
| 38 | SPIRIT OF AMERICA LINCOLN | 8.00% | 6.50% |
| 39 | MIDWEST LIBERTY McCook | 8.05% | 5.80% |
| 40 | LINCOLN S.D.A. LINCOLN | 8.13% | 5.70% |
| 41 | PIONEER COMMUNITY PALISADE | 8.50% | 7.25% |
| 42 | MEADOW GROVE MEADOW GROVE | 8.65% | 3.80% |
| 43 | CHADRON CHADRON | 9.11% | 5.81% |
| 44 | UNIVERSITY OF NEBRASKA Lincoln | 9.23% | 6.89% |
| 45 | COBALT Papillion | 9.25% | 8.50% |
| 46 | NEBRASKA RURAL COMMUNITY Morrill | 9.60% | 7.37% |
| 47 | OUR FAMILY SOCIAL Omaha | 9.99% | 6.99% |
| 48 | ARCHER COOPERATIVE Archer | 10.81% | 7.81% |
| 49 | BOX BUTTE PUBLIC EMPLOYEES ALLIANCE | 11.25% | 4.75% |
| 50 | EDDYVILLE COOPERATIVE Eddyville | 11.75% | — |
Most community credit unions in Nebraska accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.