Auto Loans · Cincinnati, Ohio
14 credit unions in Cincinnati report car loan rates to the NCUA. Rates range from 4.25% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
4.25%
Lowest New Car Rate
5.65%
City Average Rate
14 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | DECA ★ 1.8 · 4 reviews | 4.25% | 4.50% |
| 2 | U.P.S. ★ 5.0 · 4 reviews | 4.55% | 6.53% |
| 3 | CINCINNATI INTERAGENCY ★ 4.5 · 8 reviews | 4.99% | 5.49% |
| 4 | CINCINNATI HEALTHCARE ASSOCIATES ★ 4.5 · 11 reviews | 5.00% | 7.25% |
| 5 | ST. JAMES PARISH ★ 5.0 · 2 reviews | 5.14% | 7.86% |
| 6 | CINFED ★ 4.0 · 94 reviews | 5.49% | 6.24% |
| 7 | POSTAL FAMILY CREDIT UNION, INC. ★ 4.9 · 9 reviews | 5.49% | 5.59% |
| 8 | GREATER CINCINNATI SCHOOL ★ 3.6 · 21 reviews | 5.50% | 6.50% |
| 9 | CINCINNATI OHIO POLICE ★ 4.6 · 58 reviews | 5.60% | 6.70% |
| 10 | SHAREFAX ★ 4.5 · 169 reviews | 5.69% | 6.44% |
| 11 | TRUPARTNER ★ 3.5 · 69 reviews | 6.00% | 7.63% |
| 12 | CHILDREN'S MEDICAL CENTER ★ 3.1 · 13 reviews | 6.50% | 6.70% |
| 13 | W T COMMUNITY ★ 3.9 · 15 reviews | 6.92% | 6.47% |
| 14 | LOCAL UNION 392 ★ 4.2 · 9 reviews | 8.00% | 8.95% |
16 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DECA ★ 1.8 · 4 reviews | 4.50% | 4.25% |
| 2 | CINCINNATI INTERAGENCY ★ 4.5 · 8 reviews | 5.49% | 4.99% |
| 3 | POSTAL FAMILY CREDIT UNION, INC. ★ 4.9 · 9 reviews | 5.59% | 5.49% |
| 4 | CINFED ★ 4.0 · 94 reviews | 6.24% | 5.49% |
| 5 | SHAREFAX ★ 4.5 · 169 reviews | 6.44% | 5.69% |
| 6 | W T COMMUNITY ★ 3.9 · 15 reviews | 6.47% | 6.92% |
| 7 | GREATER CINCINNATI SCHOOL ★ 3.6 · 21 reviews | 6.50% | 5.50% |
| 8 | U.P.S. ★ 5.0 · 4 reviews | 6.53% | 4.55% |
| 9 | CINCINNATI OHIO POLICE ★ 4.6 · 58 reviews | 6.70% | 5.60% |
| 10 | CHILDREN'S MEDICAL CENTER ★ 3.1 · 13 reviews | 6.70% | 6.50% |
| 11 | HEEKIN CAN EMPL | 7.00% | — |
| 12 | CINCINNATI HEALTHCARE ASSOCIATES ★ 4.5 · 11 reviews | 7.25% | 5.00% |
| 13 | TRUPARTNER ★ 3.5 · 69 reviews | 7.63% | 6.00% |
| 14 | ST. JAMES PARISH ★ 5.0 · 2 reviews | 7.86% | 5.14% |
| 15 | LOCAL UNION 392 ★ 4.2 · 9 reviews | 8.95% | 8.00% |
| 16 | MT ZION WOODLAWN ★ 4.9 · 13 reviews | 10.77% | — |
A pre-approval from a Cincinnati 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 Cincinnati in the same window and take the best offer.
See member reviews, branch locations, and full rate details.