Compare Bank & Credit Union Rates
Best auto loan rates in Racine, WI
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–5 of 5 in Racine, WI · median 5.84% APR
- Racine Municipal Employees Credit UnionAuto Loans - New 2026-2027 · 36–60 months
Credit union · 1 branch
4.25%APRas low as · up to 5.00%4.25% APR, up to 5.00%
Terms
Base APR is 5.00%; rate discounts up to -0.75% available (4.25% - 5.00% APR)
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates as low as 4.80% APR for model years 2025-2027. Term choices of 36, 48, 60, 72, and 84 months. No money down required subject to credit approval and collateral value. Rate discount with uChoose Rewards points.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Terms
Model Year: 2026 & 2025. Pmt/$1,000: $19.44.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year: 2025–2026 New. Advertised APR assumes excellent borrower credit history with Auto-Pay from a Tri City National Bank Checking Account.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - North Shore BankAuto Loan Interest Rates for 2025+ Model Year Vehicles · up to 60 months
Bank · 2 branches
7.25%APRas low asTerms
Payment is $19.92 per $1,000 borrowed. Available to well-qualified borrowers.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Racine, WI
5 banks and credit unions · checked Oct 16
- Typical
- 5.84%
- Top 10% up to
- 4.47%
- Banks, typical
- 6.72%
- Credit unions, typical
- 4.80%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Racine, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Racine Municipal Employees Credit UnionCredit union · 1 branch
- Marine Credit UnionCredit union · 1 branch
- North Shore BankBank · 4 branches