Auto Loans · Racine, Wisconsin
3 credit unions in Racine report car loan rates to the NCUA. Rates range from 4.49% to 4.99%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.49%
Lowest New Car Rate
4.74%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MCU FINANCIAL CENTER ★ 4.0 · 17 reviews | 4.49% | 5.49% |
| 2 | RACINE MUNICIPAL EMPLOYEES ★ 4.8 · 9 reviews | 4.75% | 5.75% |
| 3 | EDUCATORS ★ 3.8 · 74 reviews | 4.99% | 5.65% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MCU FINANCIAL CENTER ★ 4.0 · 17 reviews | 5.49% | 4.49% |
| 2 | EDUCATORS ★ 3.8 · 74 reviews | 5.65% | 4.99% |
| 3 | RACINE MUNICIPAL EMPLOYEES ★ 4.8 · 9 reviews | 5.75% | 4.75% |
A pre-approval from a Racine 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 Racine in the same window and take the best offer.
See member reviews, branch locations, and full rate details.