Auto Loans · Durham, North Carolina
5 credit unions in Durham report car loan rates to the NCUA. Rates range from 2.49% to 6.75%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
2.49%
Lowest New Car Rate
4.85%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SELF-HELP ★ 2.5 · 37 reviews | 2.49% | 9.75% |
| 2 | VISION FINANCIAL ★ 3.9 · 77 reviews | 4.25% | 4.75% |
| 3 | DUKE UNIVERSITY | 4.99% | 4.99% |
| 4 | LATINO COMMUNITY ★ 3.5 · 95 reviews | 5.75% | 8.25% |
| 5 | SELF-HELP ★ 2.5 · 37 reviews | 6.75% | 7.75% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | VISION FINANCIAL ★ 3.9 · 77 reviews | 4.75% | 4.25% |
| 2 | DUKE UNIVERSITY | 4.99% | 4.99% |
| 3 | SELF-HELP ★ 2.5 · 37 reviews | 7.75% | 6.75% |
| 4 | LATINO COMMUNITY ★ 3.5 · 95 reviews | 8.25% | 5.75% |
| 5 | SELF-HELP ★ 2.5 · 37 reviews | 9.75% | 2.49% |
A pre-approval from a Durham 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 Durham in the same window and take the best offer.
See member reviews, branch locations, and full rate details.