Auto Loan Rates in West Des Moines, Iowa (IA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in West Des Moines, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in West Des Moines, Iowa include Collins Community Credit UnionCollins Community Credit Union6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004B-4.3 ★Texas Ratio: 23.97% offering 2024 to 2026 Auto Loan Loyalty at 4.14%, First Class Community Credit UnionFirst Class Community Credit Union2051 Westown Pkwy, West Des Moines, IA, 50265 1541A+5.0 ★Texas Ratio: 1.71% offering Auto Loans 2024 Or Newer at 4.49%, Farmers State Bank Waterloo, IAFarmers State Bank Waterloo, IA9750 University Ave, West Des Moines, IA, 50266A+5.0 ★Texas Ratio: 4.41% offering Automobiles 10 2026-2024 Model Years (<60,000 miles) at 5.29%, Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA, 50265A+5.0 ★Texas Ratio: 0.99% offering Auto Loan at 5.58%, Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA, 50265A-4.9 ★Texas Ratio: 16.80% offering Auto Loans - New vehicles only at 5.59%. Auto loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Auto loan rates in West Des Moines, Iowa are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in West Des Moines, Iowa. Auto Loan Rates Last Updated and Verified: March 25, 2026
Compare Auto Loan Rates Today in West Des Moines, Iowa & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan Loyalty
4.14%
60 Months
▼
APR4.14%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; Up to 84 Months
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan Loyalty
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan Loyalty
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan Loyalty
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan Loyalty
4.94%
78 Months
▼
APR4.94%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2023-2021
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; Up to 72 Months
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan Loyalty
5.09%
78 Months
▼
APR5.09%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan Loyalty
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2026-2024 Model Years (<60,000 miles)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan Loyalty
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2023-2021 Model Years
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2026-2024 Model Years (<60,000 miles)
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan
5.44%
78 Months
▼
APR5.44%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2023-2021 Model Years
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2020-2018
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; Up to 72 Months
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2020-2018 Model Years
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
5.58%
60 Months
▼
APR5.58%
Term60 Months
Last UpdatedMar 20, 2026
Details
Loan Amount: $25,000; Payment Example: Monthly Payment: $478.68
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
909 9th St, West Des Moines, IA, 50265
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan
5.59%
78 Months
▼
APR5.59%
Term78 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2020-2018 Model Years
5.64%
54 Months
▼
APR5.64%
Term54 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2024 to 2026 Auto Loan
5.64%
84 Months
▼
APR5.64%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2023-2021 Model Years
5.69%
72 Months
▼
APR5.69%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2020-2018 Model Years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2017 & Older Model Years
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2021 to 2023 Auto Loan
5.84%
84 Months
▼
APR5.84%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2017 & Older Model Years
5.94%
42 Months
▼
APR5.94%
Term42 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
5.95%
24 Months
▼
APR5.95%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
5.97%
36 Months
▼
APR5.97%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2017 or Older
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; Up to 48 Months
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2026-2024 Model Years (<60,000 miles)
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
909 9th St, West Des Moines, IA, 50265
Auto Loans - 6 years old or older 48 Months or less
6.12%
48 Months
▼
APR6.12%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Used vehicle 6 years or older. Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46.
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
9750 University Ave, West Des Moines, IA, 50266
Automobiles 10 2017 & Older Model Years
6.14%
48 Months
▼
APR6.14%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.17%
60 Months
▼
APR6.17%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.18%
12 Months
▼
APR6.18%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan Loyalty
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan Loyalty
6.34%
66 Months
▼
APR6.34%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
6.38%
48 Months
▼
APR6.38%
Term48 Months
Last UpdatedMar 20, 2026
Details
Loan Amount: $20,000; Payment Example: Monthly Payment: $473.41
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan Loyalty
6.44%
72 Months
▼
APR6.44%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
6.46%
24 Months
▼
APR6.46%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
6.47%
36 Months
▼
APR6.47%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
6.56%
48 Months
▼
APR6.56%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
6.67%
60 Months
▼
APR6.67%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
6.68%
12 Months
▼
APR6.68%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan
6.84%
66 Months
▼
APR6.84%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2017 to 2020 Auto Loan
6.94%
72 Months
▼
APR6.94%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
620 S 60th St, West Des Moines, IA, 50266
Auto Loans
8.01%
60 Months
▼
APR8.01%
Term60 Months
Last UpdatedMar 25, 2026
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
620 S 60th St, West Des Moines, IA, 50266
Auto Loans
8.26%
72 Months
▼
APR8.26%
Term72 Months
Last UpdatedMar 25, 2026
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
620 S 60th St, West Des Moines, IA, 50266
Auto Loans
8.26%
60 Months
▼
APR8.26%
Term60 Months
Last UpdatedMar 25, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.29%
36 Months
▼
APR8.29%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.32%
24 Months
▼
APR8.32%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.47%
48 Months
▼
APR8.47%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
620 S 60th St, West Des Moines, IA, 50266
Auto Loans
8.51%
72 Months
▼
APR8.51%
Term72 Months
Last UpdatedMar 25, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.59%
12 Months
▼
APR8.59%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.68%
60 Months
▼
APR8.68%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
8.73%
36 Months
▼
APR8.73%
Term36 Months
Last UpdatedMar 20, 2026
Details
Loan Amount: $15,000; Payment Example: Monthly Payment: $475.41
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
620 S 60th St, West Des Moines, IA, 50266
Auto Loans
8.76%
60 Months
▼
APR8.76%
Term60 Months
Last UpdatedMar 25, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
8.79%
36 Months
▼
APR8.79%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
8.82%
24 Months
▼
APR8.82%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2016 and Older Auto Loan Loyalty
8.94%
60 Months
▼
APR8.94%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
8.97%
48 Months
▼
APR8.97%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
9.09%
12 Months
▼
APR9.09%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2016 and Older Auto Loan Loyalty
9.14%
66 Months
▼
APR9.14%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2016-2022 Model Years Auto Loan
9.18%
60 Months
▼
APR9.18%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2016 and Older Auto Loan
9.44%
60 Months
▼
APR9.44%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Loan Amount: $10,000; Payment Example: Monthly Payment: $320.33
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2015 and Older Model Years Auto Loan
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2015 and Older Model Years Auto Loan
9.62%
24 Months
▼
APR9.62%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
2016 and Older Auto Loan
9.64%
66 Months
▼
APR9.64%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2015 and Older Model Years Auto Loan
9.77%
48 Months
▼
APR9.77%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2015 and Older Model Years Auto Loan
9.90%
12 Months
▼
APR9.90%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2015 and Older Model Years Auto Loan
9.98%
60 Months
▼
APR9.98%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
1208 13th St N, Humboldt, IA, 50548
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
▼
APR2.49%
Term23 Months
Last UpdatedMar 21, 2026
Details
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMar 25, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.00%
24-36
▼
APR4.00%
Term24-36
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 24 Months
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMar 24, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 21, 2026
Details
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.40%
72 Months
▼
APR4.40%
Term72 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 48 Months
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMar 25, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 60 Months
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2024 & Newer Auto Loan
4.80%
37 Months
▼
APR4.80%
Term37 Months
Last UpdatedMar 13, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
up to 72 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedMar 24, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMar 25, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
4.99%
24-60
▼
APR4.99%
Term24-60
Last UpdatedMar 25, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMar 25, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedMar 24, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.05%
24-36
▼
APR5.05%
Term24-36
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMar 24, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.09%
37 Months
▼
APR5.09%
Term37 Months
Last UpdatedMar 13, 2026
Details
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
up to 84 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2020 Auto Loan
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 84 Months
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2020 Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMar 24, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.34%
61-72
▼
APR5.34%
Term61-72
Last UpdatedMar 24, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.34%
50 Months
▼
APR5.34%
Term50 Months
Last UpdatedMar 13, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - New Auto or Truck Purchase/Refinance
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMar 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2025 Model Auto Loan
5.35%
2025 Mo
▼
APR5.35%
Term2025 Mo
Last UpdatedMar 25, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMar 24, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 24, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 24, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.44%
37 Months
▼
APR5.44%
Term37 Months
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMar 13, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMar 25, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details
As Low As
The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2024 Model Auto Loan
5.50%
2024 Mo
▼
APR5.50%
Term2024 Mo
Last UpdatedMar 25, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 24, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.54%
50 Months
▼
APR5.54%
Term50 Months
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - Used Auto or Truck Purchase/Refinance
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 21, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMar 24, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.64%
66 Months
▼
APR5.64%
Term66 Months
Last UpdatedMar 13, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2023 Model Auto Loan
5.65%
2023 Mo
▼
APR5.65%
Term2023 Mo
Last UpdatedMar 25, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.66%
36 Months
▼
APR5.66%
Term36 Months
Last UpdatedMar 24, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 13, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMar 18, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Vehicle Loans
5.74%
24-48 Months
▼
APR5.74%
Term24-48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMar 13, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
▼
APR5.79%
Term66-72
Last UpdatedMar 16, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Age of Vehicle: 2025-New
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.79%
73-84
▼
APR5.79%
Term73-84
Last UpdatedMar 24, 2026
Details
100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2022 Model Auto Loan
5.85%
2022 Mo
▼
APR5.85%
Term2022 Mo
Last UpdatedMar 25, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; Up to 84 Months
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
909 9th St, West Des Moines, IA, 50265
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
5.95%
24 Months
▼
APR5.95%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
5.97%
36 Months
▼
APR5.97%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.17%
60 Months
▼
APR6.17%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
6.18%
12 Months
▼
APR6.18%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.29%
36 Months
▼
APR8.29%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.32%
24 Months
▼
APR8.32%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.47%
48 Months
▼
APR8.47%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.59%
12 Months
▼
APR8.59%
Term12 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
5625 Mills Civic Pkwy, West Des Moines, IA, 50266
2023 and Newer Model Years Auto Loan
8.68%
60 Months
▼
APR8.68%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
1208 13th St N, Humboldt, IA, 50548
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
▼
APR2.49%
Term23 Months
Last UpdatedMar 21, 2026
Details
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMar 25, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.00%
24-36
▼
APR4.00%
Term24-36
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 24 Months
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMar 24, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 21, 2026
Details
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.40%
72 Months
▼
APR4.40%
Term72 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 48 Months
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMar 25, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 13, 2026
Details
Model years 2021 to 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 60 Months
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2024 & Newer Auto Loan
4.80%
37 Months
▼
APR4.80%
Term37 Months
Last UpdatedMar 13, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
up to 72 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMar 25, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMar 24, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
up to 84 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 84 Months
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMar 24, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - New Auto or Truck Purchase/Refinance
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMar 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 24, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMar 18, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As; Age of Vehicle: 2025-New
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.65%
60 Months
▼
APR4.65%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMar 25, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.05%
24-36
▼
APR5.05%
Term24-36
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 24, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMar 24, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 25, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - Used Auto or Truck Purchase/Refinance
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Model years 2014 to 2020
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
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MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
5.365%
▼ 0.012 from last week
New auto loan rates fell 0.012 points this week to 5.365% APR, down from 5.377% last week.
Used Auto Loan — National Avg APR
5.673%
▼ 0.027 from last week
Used auto loan rates fell 0.027 points this week to 5.673% APR, down from 5.700% last week.
National averages as of Mar 25, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in West Des Moines, Iowa
How does my credit score affect my car loan rate in Iowa?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in West Des Moines, Iowa with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Iowa *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in West Des Moines, Iowa typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in West Des Moines, Iowa?
Based on our current data, some of the lowest auto loan rates available in West Des Moines, Iowa include:
- Collins Community Credit Union: 4.14% (2024 to 2026 Auto Loan Loyalty)
- First Class Community Credit Union: 4.49% (Auto Loans 2024 Or Newer)
- Farmers State Bank Waterloo, IA: 5.29% (Automobiles 10 2026-2024 Model Years (<60,000 miles))
- Midwest Heritage Bank: 5.58% (Auto Loan)
- Marine Credit Union: 5.59% (Auto Loans - New vehicles only)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026
