Auto Loans · Charlotte, North Carolina
6 credit unions in Charlotte report car loan rates to the NCUA. Rates range from 3.09% to 6.06%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.09%
Lowest New Car Rate
4.94%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CAROLINA COOPERATIVE ★ 3.4 · 27 reviews | 3.09% | 6.36% |
| 2 | BLUE FLAME ★ 4.5 · 21 reviews | 4.39% | 4.79% |
| 3 | SKYLA ★ 3.8 · 143 reviews | 4.99% | 5.50% |
| 4 | CAROLINAS TELCO ★ 4.4 · 61 reviews | 5.14% | 6.48% |
| 5 | NOVA ★ 3.3 · 86 reviews | 5.99% | 5.99% |
| 6 | CHARLOTTE FIRE DEPARTMENT ★ 4.4 · 7 reviews | 6.06% | 6.62% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BLUE FLAME ★ 4.5 · 21 reviews | 4.79% | 4.39% |
| 2 | SKYLA ★ 3.8 · 143 reviews | 5.50% | 4.99% |
| 3 | NOVA ★ 3.3 · 86 reviews | 5.99% | 5.99% |
| 4 | CAROLINA COOPERATIVE ★ 3.4 · 27 reviews | 6.36% | 3.09% |
| 5 | CAROLINAS TELCO ★ 4.4 · 61 reviews | 6.48% | 5.14% |
| 6 | CHARLOTTE FIRE DEPARTMENT ★ 4.4 · 7 reviews | 6.62% | 6.06% |
A pre-approval from a Charlotte 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 Charlotte in the same window and take the best offer.
See member reviews, branch locations, and full rate details.