Auto Loans · Garfield Hts, Ohio
2 credit unions in Garfield Hts report car loan rates to the NCUA. Rates range from 3.99% to 5.98%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.99%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EMERALD CREDIT UNION, INC. ★ 4.6 · 259 reviews | 3.99% | 6.09% |
| 2 | OC ★ 3.7 · 63 reviews | 5.98% | 6.31% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EMERALD CREDIT UNION, INC. ★ 4.6 · 259 reviews | 6.09% | 3.99% |
| 2 | OC ★ 3.7 · 63 reviews | 6.31% | 5.98% |
A pre-approval from a Garfield Hts 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 Garfield Hts in the same window and take the best offer.
See member reviews, branch locations, and full rate details.