Auto Loans · Wyoming
18 credit unions in Wyoming report car loan rates to the NCUA. Rates range from 3.99% to 9.25%.
Updated Q1 2026 · NCUA Call Report data
18
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.80%
State Average Rate
11
Cities Covered
18 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST EDUCATION Cheyenne | 3.99% | 5.49% |
| 2 | A.C.P.E. Laramie | 4.24% | 4.89% |
| 3 | POWELL SCHOOLS Powell | 4.38% | 5.50% |
| 4 | MERIDIAN TRUST Cheyenne | 4.39% | 6.28% |
| 5 | SHERIDAN COMMUNITY Sheridan | 4.75% | 4.85% |
| 6 | CIT-CO Sheridan | 4.90% | 4.90% |
| 7 | GRAND ALTITUDE Lander | 4.99% | 5.49% |
| 8 | WYHY CHEYENNE | 5.74% | 5.74% |
| 9 | CHEYENNE-LARAMIE COUNTY EMPLOYEES Cheyenne | 5.91% | 6.56% |
| 10 | STAGEPOINT Laramie | 6.15% | 6.20% |
| 11 | PATHFINDER Casper | 6.21% | 7.47% |
| 12 | CAMPCO GILLETTE | 6.22% | 6.97% |
| 13 | BLUE Cheyenne | 6.24% | 5.99% |
| 14 | SUNLIGHT CODY | 6.50% | 7.00% |
| 15 | TRONA VALLEY COMMUNITY Green River | 6.74% | 7.74% |
| 16 | UNIWYO Laramie | 6.83% | 7.69% |
| 17 | WESTERN VISTA Cheyenne | 6.89% | 7.57% |
| 18 | GUERNSEY COMMUNITY GUERNSEY | 9.25% | 8.00% |
18 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SHERIDAN COMMUNITY Sheridan | 4.85% | 4.75% |
| 2 | A.C.P.E. Laramie | 4.89% | 4.24% |
| 3 | CIT-CO Sheridan | 4.90% | 4.90% |
| 4 | FIRST EDUCATION Cheyenne | 5.49% | 3.99% |
| 5 | GRAND ALTITUDE Lander | 5.49% | 4.99% |
| 6 | POWELL SCHOOLS Powell | 5.50% | 4.38% |
| 7 | WYHY CHEYENNE | 5.74% | 5.74% |
| 8 | BLUE Cheyenne | 5.99% | 6.24% |
| 9 | STAGEPOINT Laramie | 6.20% | 6.15% |
| 10 | MERIDIAN TRUST Cheyenne | 6.28% | 4.39% |
| 11 | CHEYENNE-LARAMIE COUNTY EMPLOYEES Cheyenne | 6.56% | 5.91% |
| 12 | CAMPCO GILLETTE | 6.97% | 6.22% |
| 13 | SUNLIGHT CODY | 7.00% | 6.50% |
| 14 | PATHFINDER Casper | 7.47% | 6.21% |
| 15 | WESTERN VISTA Cheyenne | 7.57% | 6.89% |
| 16 | UNIWYO Laramie | 7.69% | 6.83% |
| 17 | TRONA VALLEY COMMUNITY Green River | 7.74% | 6.74% |
| 18 | GUERNSEY COMMUNITY GUERNSEY | 8.00% | 9.25% |
Most community credit unions in Wyoming accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.