Auto Loans · Cleveland, Ohio
9 credit unions in Cleveland report car loan rates to the NCUA. Rates range from 4.00% to 8.01%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
4.00%
Lowest New Car Rate
5.47%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | STEEL VALLEY ★ 3.8 · 66 reviews | 4.00% | 6.00% |
| 2 | ANTIOCH ★ 4.7 · 10 reviews | 4.00% | 5.00% |
| 3 | ST. COLMAN & AFFILIATES ★ 4.3 · 31 reviews | 4.21% | 6.55% |
| 4 | BSE ★ 3.8 · 17 reviews | 4.94% | 7.00% |
| 5 | FIREFIGHTERS COMMUNITY CU ★ 4.1 · 59 reviews | 5.52% | 6.87% |
| 6 | GREATER CLEVELAND COMMUNITY ★ 3.6 · 19 reviews | 5.75% | 6.00% |
| 7 | CLEVELAND POLICE ★ 5.0 · 6 reviews | 6.34% | 7.10% |
| 8 | OHIO EDUCATIONAL ★ 2.9 · 48 reviews | 6.48% | 4.74% |
| 9 | FAITH COMMUNITY UNITED ★ 3.7 · 81 reviews | 8.01% | 11.05% |
9 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OHIO EDUCATIONAL ★ 2.9 · 48 reviews | 4.74% | 6.48% |
| 2 | ANTIOCH ★ 4.7 · 10 reviews | 5.00% | 4.00% |
| 3 | STEEL VALLEY ★ 3.8 · 66 reviews | 6.00% | 4.00% |
| 4 | GREATER CLEVELAND COMMUNITY ★ 3.6 · 19 reviews | 6.00% | 5.75% |
| 5 | ST. COLMAN & AFFILIATES ★ 4.3 · 31 reviews | 6.55% | 4.21% |
| 6 | FIREFIGHTERS COMMUNITY CU ★ 4.1 · 59 reviews | 6.87% | 5.52% |
| 7 | BSE ★ 3.8 · 17 reviews | 7.00% | 4.94% |
| 8 | CLEVELAND POLICE ★ 5.0 · 6 reviews | 7.10% | 6.34% |
| 9 | FAITH COMMUNITY UNITED ★ 3.7 · 81 reviews | 11.05% | 8.01% |
A pre-approval from a Cleveland 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 Cleveland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.