Auto Loans · Hickory, North Carolina
2 credit unions in Hickory report car loan rates to the NCUA. Rates range from 4.63% to 5.01%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.63%
Lowest New Car Rate
4.82%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HSM ★ 4.7 · 29 reviews | 4.63% | 7.70% |
| 2 | SHUFORD ★ 4.3 · 31 reviews | 5.01% | 6.44% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SHUFORD ★ 4.3 · 31 reviews | 6.44% | 5.01% |
| 2 | HSM ★ 4.7 · 29 reviews | 7.70% | 4.63% |
A pre-approval from a Hickory 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 Hickory in the same window and take the best offer.
See member reviews, branch locations, and full rate details.