Auto Loans · Chillicothe, Ohio
2 credit unions in Chillicothe report car loan rates to the NCUA. Rates range from 5.05% to 5.86%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.05%
Lowest New Car Rate
5.46%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CHIVAHO ★ 3.2 · 42 reviews | 5.05% | 6.47% |
| 2 | HOMELAND ★ 4.3 · 35 reviews | 5.86% | 7.93% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CHIVAHO ★ 3.2 · 42 reviews | 6.47% | 5.05% |
| 2 | HOMELAND ★ 4.3 · 35 reviews | 7.93% | 5.86% |
A pre-approval from a Chillicothe 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 Chillicothe in the same window and take the best offer.
See member reviews, branch locations, and full rate details.