Auto Loans · Columbus, Ohio
5 credit unions in Columbus report car loan rates to the NCUA. Rates range from 4.89% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.89%
Lowest New Car Rate
5.45%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TELHIO ★ 4.5 · 174 reviews | 4.89% | 6.60% |
| 2 | EDUCATION FIRST CREDIT UNION, INC. ★ 4.1 · 96 reviews | 4.99% | 5.74% |
| 3 | STATE HIGHWAY PATROL ★ 4.7 · 15 reviews | 5.35% | 5.35% |
| 4 | CME ★ 4.5 · 262 reviews | 6.00% | 6.50% |
| 5 | PATHWAYS FINANCIAL ★ 4.8 · 701 reviews | 6.00% | 6.75% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | STATE HIGHWAY PATROL ★ 4.7 · 15 reviews | 5.35% | 5.35% |
| 2 | EDUCATION FIRST CREDIT UNION, INC. ★ 4.1 · 96 reviews | 5.74% | 4.99% |
| 3 | CME ★ 4.5 · 262 reviews | 6.50% | 6.00% |
| 4 | TELHIO ★ 4.5 · 174 reviews | 6.60% | 4.89% |
| 5 | PATHWAYS FINANCIAL ★ 4.8 · 701 reviews | 6.75% | 6.00% |
A pre-approval from a Columbus 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 Columbus in the same window and take the best offer.
See member reviews, branch locations, and full rate details.