Auto Loans · Springfield, Ohio
1 credit union in Springfield report car loan rates to the NCUA. Lowest rate: 7.15%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
7.15%
Lowest New Car Rate
7.15%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | IH CREDIT UNION, INC. ★ 3.0 · 42 reviews | 7.15% | 8.77% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | IH CREDIT UNION, INC. ★ 3.0 · 42 reviews | 8.77% | 7.15% |
A pre-approval from a Springfield 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 Springfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.