Auto Loan Rates in Decatur, Illinois (IL) for March 2026
Content reviewed by
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Editorial Disclosure
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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 Decatur, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Decatur, Illinois include Decatur Earthmover Credit UnionDecatur Earthmover Credit Union4855 Aldi Dr, Decatur, IL, 62521A+5.0 ★Texas Ratio: 1.92% offering Auto Loan at 4.25%, Buena Vista National BankBuena Vista National Bank3795 N Woodford St, Decatur, IL, 62526A+5.0 ★Texas Ratio: 1.12% offering Hero Auto Loan at 4.49%, Citizens Equity First Credit UnionCitizens Equity First Credit Union3301 N Woodford St, Decatur, IL, 62526 2837A5.0 ★Texas Ratio: 6.76% offering Standard Vehicle Loan 2024-2025 at 4.49%, United Equity Credit UnionUnited Equity Credit Union1130 E Pershing Rd, Decatur, IL, 62526A+5.0 ★Texas Ratio: 3.09% offering 2026 & Newer Auto Loan at 4.50%, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union3130 E Mound Rd, Decatur, IL, 62526A5.0 ★Texas Ratio: 6.84% offering 84-month - 2022 - 2025 New & Used Cars, Trucks and Vans at 6.70%.
Auto loan rates in Decatur, Illinois 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 Decatur, Illinois. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Decatur, Illinois & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
Buena Vista National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3795 N Woodford St, Decatur, IL, 62526
Hero Auto Loan
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Financing up to 72 months; Buena Vista will donate half of every Hero Auto Loan documentation fee to the Tunnel to Towers Foundation.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2024-2025
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2026 AND NEWER
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2022-2023
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.65%
48 Months
▼
APR4.65%
Term48 Months
Last UpdatedMar 13, 2026
Details
2022-2024
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2021
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 13, 2026
Details
2021
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 13, 2026
Details
2022-2024
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.10%
48 Months
▼
APR5.10%
Term48 Months
Last UpdatedMar 13, 2026
Details
2020
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2020
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMar 13, 2026
Details
2021
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMar 13, 2026
Details
2019
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
2019
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2017 - 2021 Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
Up to 60 Months
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.65%
72 Months
▼
APR5.65%
Term72 Months
Last UpdatedMar 13, 2026
Details
2020
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMar 13, 2026
Details
2019
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.85%
72 Months
▼
APR5.85%
Term72 Months
Last UpdatedMar 13, 2026
Details
2019
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedMar 13, 2026
Details
2018
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.00%
78 Months
▼
APR6.00%
Term78 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2019
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 13, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.35%
72 Months
▼
APR6.35%
Term72 Months
Last UpdatedMar 13, 2026
Details
2018
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2017 - 2021 Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
72 Months
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.55%
84 Months
▼
APR6.55%
Term84 Months
Last UpdatedMar 13, 2026
Details
2022-2024
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.61%
60 Months
▼
APR6.61%
Term60 Months
Last UpdatedMar 13, 2026
Details
2018
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL, 62526
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
6.75%
78 Months
▼
APR6.75%
Term78 Months
Last UpdatedMar 13, 2026
Details
2020
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
7.20%
36 Months
▼
APR7.20%
Term36 Months
Last UpdatedMar 13, 2026
Details
2017 & Older
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL, 62521
Auto Loan
7.30%
48 Months
▼
APR7.30%
Term48 Months
Last UpdatedMar 13, 2026
Details
2017 & Older
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2017 - 2021 Auto Loan
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
72 Months
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
7.75%
73 - 120 Months
▼
APR7.75%
Term73 - 120 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
Auto Loan
8.25%
120 Months
▼
APR8.25%
Term120 Months
Last UpdatedMar 15, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2018 AND OLDER
8.54%
36 Months
▼
APR8.54%
Term36 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
48 or 60 months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
20% Down
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
▼
APR3.59%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
3.74%
0 - 24
▼
APR3.74%
Term0 - 24
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; For Well Qualified Borrowers
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
3.90%
48 Months
▼
APR3.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
20% Down
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
3.99%
51 Months
▼
APR3.99%
Term51 Months
Last UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
3.99%
24 mos
▼
APR3.99%
Term24 mos
Last UpdatedMar 20, 2026
Details
As Low As
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
up to two years old
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.04%
25 - 36
▼
APR4.04%
Term25 - 36
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
▼
APR4.09%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL, 60104
Vehicle Loan 2024, '25 & '26 Models
4.14%
24 Months
▼
APR4.14%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL, 60104
Vehicle Loans
4.14%
24 Months
▼
APR4.14%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Auto Loan
4.15%
4 years
▼
APR4.15%
Term4 years
Last UpdatedMar 15, 2026
Details
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.24%
66 Months
▼
APR4.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
4435 ALBY ST, ALTON, IL, 62002 5916
Auto Refinance
4.25%
66 Months
▼
APR4.25%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As; No Payments for 90 Days; Special Runs March 2-20, 2026
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
4435 ALBY ST, ALTON, IL, 62002 5916
March Auto Refinance Special
4.25%
66 Months
▼
APR4.25%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As; No Payments for 90 Days. Special Runs March 2-20, 2026. Some restrictions apply. Contact Loan Department for details or to apply.
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 18, 2026
Details
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2020-2023
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; For Well Qualified Borrowers
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; For Well Qualified Borrowers
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
302 N Park St, Streator, IL, 61364 2229
2023 & Newer Vehicle Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2022-2024
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2020 - 2022
4.39%
51 Months
▼
APR4.39%
Term51 Months
Last UpdatedMar 20, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.39%
37 - 48
▼
APR4.39%
Term37 - 48
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details
As Low As
New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
New Auto or Truck (2025 & newer)
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedMar 15, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Model Year: 2022-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year: 2026 - 2025; Term: Up to 36 months
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year 2026 - 2025
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2021 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan New 2026-2025
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan Used 2025-2023
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL, 62226
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
4.49%
36 mos
▼
APR4.49%
Term36 mos
Last UpdatedMar 20, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details
2019 or older add 2% to rate
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMar 18, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up to 120% of Retail
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
20% Down
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 72 months
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 84 months
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
8930 Waukegan Rd, Morton Grove, IL, 60053
Auto Loans
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMar 15, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles
4.55%
84 Months
▼
APR4.55%
Term84 Months
Last UpdatedMar 17, 2026
Details
New Never Titled; Max 84 months
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles
4.55%
72 Months
▼
APR4.55%
Term72 Months
Last UpdatedMar 17, 2026
Details
2021 & Newer; Max 72 months
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2020-2021
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
Conventional Auto Loan Refinancing
4.59%
Up to 29 months
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details
As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
New Auto Loan Refinancing
4.59%
Up to 29 months
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details
As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedMar 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2020 - 2022
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMar 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedMar 18, 2026
Details
As Low As
New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
Used Auto or Truck (2021 - 2024)
4.74%
12-36 months
▼
APR4.74%
Term12-36 months
Last UpdatedMar 15, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMar 17, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMar 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year: 2026 - 2025; Term: Up to 48 months
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year 2026 - 2025
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
4.74%
48 mos
▼
APR4.74%
Term48 mos
Last UpdatedMar 20, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As; 2019 & Newer, Up to 36
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As; 2019 & Newer
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1401 Sheridan Rd, North Chicago, IL, 60064 1803
New Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2025-2026 less than 5,000 miles
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1401 Sheridan Rd, North Chicago, IL, 60064 1803
Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2019-2025 and 2025-2026 with over 5,000 miles
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedMar 17, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedMar 17, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
Used Vehicle Loans
4.75%
54 Months
▼
APR4.75%
Term54 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle D below 550
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
3301 N Woodford St, Decatur, IL, 62526 2837
Standard Vehicle Loan 2026 AND NEWER
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details
LTV <= 100%
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL, 62526
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL, 62526
2026 & Newer Auto Loan
7.75%
73 - 120 Months
▼
APR7.75%
Term73 - 120 Months
Last UpdatedMar 15, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
48 or 60 months
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
20% Down
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
▼
APR3.59%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
3.74%
0 - 24
▼
APR3.74%
Term0 - 24
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
3.90%
48 Months
▼
APR3.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
20% Down
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
3.99%
51 Months
▼
APR3.99%
Term51 Months
Last UpdatedMar 20, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
up to two years old
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.04%
25 - 36
▼
APR4.04%
Term25 - 36
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
▼
APR4.09%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.24%
66 Months
▼
APR4.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 18, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.29%
60 Months
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
302 N Park St, Streator, IL, 61364 2229
2023 & Newer Vehicle Loan
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.39%
37 - 48
▼
APR4.39%
Term37 - 48
Last UpdatedMar 13, 2026
Details
As Low As; Rates range
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details
As Low As
New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
New Auto or Truck (2025 & newer)
4.49%
12-36 months
▼
APR4.49%
Term12-36 months
Last UpdatedMar 15, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year: 2026 - 2025; Term: Up to 36 months
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year 2026 - 2025
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan New 2026-2025
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL, 62226
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details
2019 or older add 2% to rate
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMar 18, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up to 120% of Retail
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
20% Down
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 72 months
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 84 months
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles
4.55%
84 Months
▼
APR4.55%
Term84 Months
Last UpdatedMar 17, 2026
Details
New Never Titled; Max 84 months
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMar 20, 2026
Details
Model Year: NEW
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
New Auto Loan Refinancing
4.59%
Up to 29 months
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details
As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedMar 18, 2026
Details
As Low As
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMar 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year: 2026 - 2025; Term: Up to 48 months
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Model Year 2026 - 2025
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1401 Sheridan Rd, North Chicago, IL, 60064 1803
New Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2025-2026 less than 5,000 miles
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedMar 17, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle D below 550
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL, 62526
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details
ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details
As Low As
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Model Year: 2022-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan Used 2025-2023
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details
2019 or older add 2% to rate
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
$90,000.00; Limit of $90,000.00
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles
4.55%
72 Months
▼
APR4.55%
Term72 Months
Last UpdatedMar 17, 2026
Details
2021 & Newer; Max 72 months
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedMar 18, 2026
Details
As Low As
New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
Used Auto or Truck (2021 - 2024)
4.74%
12-36 months
▼
APR4.74%
Term12-36 months
Last UpdatedMar 15, 2026
Details
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMar 11, 2026
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1401 Sheridan Rd, North Chicago, IL, 60064 1803
Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 2019-2025 and 2025-2026 with over 5,000 miles
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedMar 17, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
Used Vehicle Loans
4.75%
54 Months
▼
APR4.75%
Term54 Months
Last UpdatedMar 17, 2026
Details
ADD 1% EXTRA FOR BOATS; New Molex loans only.
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Frequently Asked Questions about Auto Loans in Decatur, Illinois
How does my credit score affect my car loan rate in Illinois?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Decatur, Illinois 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 Illinois *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 Decatur, Illinois 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 Decatur, Illinois?
Based on our current data, some of the lowest auto loan rates available in Decatur, Illinois include:
- Decatur Earthmover Credit Union: 4.25% (Auto Loan)
- Buena Vista National Bank: 4.49% (Hero Auto Loan)
- Citizens Equity First Credit Union: 4.49% (Standard Vehicle Loan 2024-2025)
- United Equity Credit Union: 4.50% (2026 & Newer Auto Loan)
- Land Of Lincoln Credit Union: 6.70% (84-month - 2022 - 2025 New & Used Cars, Trucks and Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Decatur, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
