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Auto Loan Rates in Effingham, Illinois (IL) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
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 Effingham, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 3, 2026

Current auto loan rates in Effingham, Illinois include FNB of WaterlooFNB of Waterloo210 E Fayette Ave, Effingham, IL, 62401A+5.0 ★Texas Ratio: 2.35% offering New Vehicles (2024-2025) at 6.10%, CTA 74th Street Depot Federal Credit UnionCTA 74th Street Depot Federal Credit UnionB+4.7 ★Texas Ratio: 19.11% offering New Auto Loan at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.11% offering New and Used Auto Loans at 3.25%, South Side Community Federal Credit UnionSouth Side Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.72% offering New and Used Auto Loans at 3.25%. Auto loan rates as of May 3, 2026 according to verified data from MonitorBankRates.

Effingham has 1 local institution in our database, with auto loan rates as low as 6.10% APR from FNB of Waterloo at 210 E Fayette Ave, Effingham, IL, 62401. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Effingham, Illinois. Auto Loan Rates Last Updated and Verified: May 3, 2026

Compare Auto Loan Rates Today in Effingham, Illinois & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.10%
up to 35
View
▼
APR6.10%
Termup to 35
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.17%
36-48
View
▼
APR6.17%
Term36-48
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.26%
49-60
View
▼
APR6.26%
Term49-60
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.44%
61-72
View
▼
APR6.44%
Term61-72
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
7.59%
up to 36 months
View
▼
APR7.59%
Termup to 36 months
Last UpdatedMay 3, 2026
Details

2019-2021

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
7.73%
73-84
View
▼
APR7.73%
Term73-84
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
7.86%
up to 48 months
View
▼
APR7.86%
Termup to 48 months
Last UpdatedMay 3, 2026
Details

2022-2023

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
8.37%
up to 24 months
View
▼
APR8.37%
Termup to 24 months
Last UpdatedMay 3, 2026
Details

2018 or older

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
2.50%
36 Months
View
▼
APR2.50%
Term36 Months
Last UpdatedApr 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%
Used Auto Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedApr 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%
New Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedApr 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%
Used Auto Loan
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
View
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details

Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.45%
72 Months
View
▼
APR3.45%
Term72 Months
Last UpdatedApr 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%
New Auto Loan
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As*

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 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%
Used Auto Loan
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
up to 60
View
▼
APR3.59%
Termup to 60
Last UpdatedMay 2, 2026
Details

As Low As; low as 3.59%*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
3.99%
24 mos
View
▼
APR3.99%
Term24 mos
Last UpdatedMay 2, 2026
Details

As Low As

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedApr 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%
Used Auto Loan
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

up to two years old

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.00%
up to 60 mos.
View
▼
APR4.00%
Termup to 60 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
up to 72
View
▼
APR4.09%
Termup to 72
Last UpdatedMay 2, 2026
Details

As Low As; low as 4.09%*

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.19%
up to 60
View
▼
APR4.19%
Termup to 60
Last UpdatedMay 2, 2026
Details

As Low As; low as 4.19%*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

2025 and newer

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.25%
Up to 60
View
▼
APR4.25%
TermUp to 60
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedMay 2, 2026
Details

2025 and newer

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2020-2021
4.39%
up to 60
View
▼
APR4.39%
Termup to 60
Last UpdatedMay 2, 2026
Details

As Low As; low as 4.39%*

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loan
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; New 2026-2025

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 24 MONTHS
4.49%
24 MONTHS
View
▼
APR4.49%
Term24 MONTHS
Last UpdatedMay 2, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 36 MONTHS
4.49%
36 MONTHS
View
▼
APR4.49%
Term36 MONTHS
Last UpdatedMay 2, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 48 MONTHS
4.49%
48 MONTHS
View
▼
APR4.49%
Term48 MONTHS
Last UpdatedMay 2, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 60 MONTHS
4.49%
60 MONTHS
View
▼
APR4.49%
Term60 MONTHS
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.49%
36 mos
View
▼
APR4.49%
Term36 mos
Last UpdatedMay 2, 2026
Details

As Low As

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.49%
12 to 36
View
▼
APR4.49%
Term12 to 36
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.50%
3 Months
View
▼
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details

3 yr Financing

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 5-6 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Vehicle Based on Retail Value
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details

2025 and newer

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
4.50%
up to 36 Months
View
▼
APR4.50%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.60%
2 Years
View
▼
APR4.60%
Term2 Years
Last UpdatedApr 18, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.65%
48 Months
View
▼
APR4.65%
Term48 Months
Last UpdatedMay 2, 2026
Details

2022-2024

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.69%
up to 72
View
▼
APR4.69%
Termup to 72
Last UpdatedMay 2, 2026
Details

As Low As; low as 4.69%*

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.70%
4 Years
View
▼
APR4.70%
Term4 Years
Last UpdatedApr 18, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
View
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 48 months
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.74%
48 mos
View
▼
APR4.74%
Term48 mos
Last UpdatedMay 2, 2026
Details

As Low As

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019 & Newer

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
4.75%
1-36 months
View
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
4.75%
1-36 months
View
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details

As Low As; 6 yr Financing

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 mos.
View
▼
APR4.75%
Term72 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
4.75%
(1 - 5 yrs. old) up to 54 mos.
View
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

2025 and newer

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.75%
Up to 54 Months
View
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
4.75%
37 - 60 months
View
▼
APR4.75%
Term37 - 60 months
Last UpdatedMay 2, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
View
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details

MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72 months
View
▼
APR4.79%
Term24-72 months
Last UpdatedApr 19, 2026
Details

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.79%
48 months
View
▼
APR4.79%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As*

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.80%
3 Years
View
▼
APR4.80%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.89%
Up to 36 Months*
View
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedApr 27, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As*

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As*

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details

2021

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedMay 2, 2026
Details

2022-2024

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
View
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
View
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details

As Low As

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; New 2026-2025

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 60 months
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 36 months
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
View
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.99%
60 mos
View
▼
APR4.99%
Term60 mos
Last UpdatedMay 2, 2026
Details

As Low As

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans
4.99%
37 - 69
View
▼
APR4.99%
Term37 - 69
Last UpdatedMay 2, 2026
Details

As Low As; 2019 & Newer

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.99%
69 Months
View
▼
APR4.99%
Term69 Months
Last UpdatedMay 2, 2026
Details

As Low As

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, Up to 66 months

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.99%
37 to 60
View
▼
APR4.99%
Term37 to 60
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 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%
Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

Score B: 625 - 699 (Max $45,000)

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 18, 2026
Details

As Low As

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Up to 60 Months

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
5.00%
78 Months
View
▼
APR5.00%
Term78 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.00%
Up to 42 Months
View
▼
APR5.00%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.00%
Up to 54 Months
View
▼
APR5.00%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
5.10%
6 Years
View
▼
APR5.10%
Term6 Years
Last UpdatedApr 18, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.10%
48 Months
View
▼
APR5.10%
Term48 Months
Last UpdatedMay 2, 2026
Details

2020

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.20%
5 Years
View
▼
APR5.20%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.24%
4-Year
View
▼
APR5.24%
Term4-Year
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.24%
61-72 months
View
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.24%
61-72 months
View
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As*

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As*

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 72 months
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 48 months
5.24%
Up to 48 months
View
▼
APR5.24%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
5.24%
66 mos
View
▼
APR5.24%
Term66 mos
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
New Vehicle Loans
5.25%
Up to 36 Months
View
▼
APR5.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New 2026 through 2024

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.25%
Up to 66 Months
View
▼
APR5.25%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.30%
72 Months
View
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details

2021

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
5.34%
up to 84
View
▼
APR5.34%
Termup to 84
Last UpdatedMay 2, 2026
Details

As Low As; low as 5.34%*

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 2, 2026
Details

2019

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.40%
6 Years
View
▼
APR5.40%
Term6 Years
Last UpdatedApr 18, 2026
Details

As Low As

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details

Max 72 months

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details

2015 - 2017; 72 Months

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.49%
5-Year
View
▼
APR5.49%
Term5-Year
Last UpdatedApr 18, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
View
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
View
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.49%
73-84 months*
View
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.49%
73-84 months*
View
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details

As Low As

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 60 months
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2018-2019
5.49%
up to 48
View
▼
APR5.49%
Termup to 48
Last UpdatedMay 2, 2026
Details

As Low As; low as 5.49%*

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
5.49%
72 mos
View
▼
APR5.49%
Term72 mos
Last UpdatedMay 2, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
5.49%
61 to 72
View
▼
APR5.49%
Term61 to 72
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 7-10 years old
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
5.50%
84 mos.
View
▼
APR5.50%
Term84 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★ Texas Ratio: 56.28%
Vehicle Loans
5.50%
60 to 72 month terms
View
▼
APR5.50%
Term60 to 72 month terms
Last UpdatedMay 2, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

2019

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
5.50%
up to 36
View
▼
APR5.50%
Termup to 36
Last UpdatedMay 2, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2015-19 Models
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.50%
Up to 54 Months
View
▼
APR5.50%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.50%
Up to 66 Months
View
▼
APR5.50%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details

As Low As

Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
5.50%
1 - 60 months
View
▼
APR5.50%
Term1 - 60 months
Last UpdatedMay 2, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
View
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.65%
72 Months
View
▼
APR5.65%
Term72 Months
Last UpdatedMay 2, 2026
Details

2020

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details

2018 - 2019; Max 72 months

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.70%
60 Months
View
▼
APR5.70%
Term60 Months
Last UpdatedMay 2, 2026
Details

2019

Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.74%
6-Year
View
▼
APR5.74%
Term6-Year
Last UpdatedApr 18, 2026
Details

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48 Months
View
▼
APR5.74%
Term24-48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 72 months
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans
5.74%
70 - 79
View
▼
APR5.74%
Term70 - 79
Last UpdatedMay 2, 2026
Details

As Low As; 2019 & Newer

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
5.74%
79 Months
View
▼
APR5.74%
Term79 Months
Last UpdatedMay 2, 2026
Details

As Low As

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
View
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, 67-78 months

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
5.75%
(1-5 yrs. old) 60 mos.
View
▼
APR5.75%
Term(1-5 yrs. old) 60 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicles
5.75%
up to 7 years
View
▼
APR5.75%
Termup to 7 years
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.10%
up to 35
View
▼
APR6.10%
Termup to 35
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.17%
36-48
View
▼
APR6.17%
Term36-48
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.26%
49-60
View
▼
APR6.26%
Term49-60
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
6.44%
61-72
View
▼
APR6.44%
Term61-72
Last UpdatedMay 3, 2026
Details

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
New Vehicles (2024-2025)
7.73%
73-84
View
▼
APR7.73%
Term73-84
Last UpdatedMay 3, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
2.50%
36 Months
View
▼
APR2.50%
Term36 Months
Last UpdatedApr 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%
New Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedApr 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%
New Auto Loan
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedApr 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
View
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details

Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.45%
72 Months
View
▼
APR3.45%
Term72 Months
Last UpdatedApr 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%
New Auto Loan
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As*

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; for 36 months at $29.30 per $1,000

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
up to 60
View
▼
APR3.59%
Termup to 60
Last UpdatedMay 2, 2026
Details

As Low As; low as 3.59%*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

Score B: 625 - 699 (Max $50,000)

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

up to two years old

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.00%
up to 60 mos.
View
▼
APR4.00%
Termup to 60 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
up to 72
View
▼
APR4.09%
Termup to 72
Last UpdatedMay 2, 2026
Details

As Low As; low as 4.09%*

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.25%
Up to 60
View
▼
APR4.25%
TermUp to 60
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.50%
3 Months
View
▼
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details

3 yr Financing

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.70%
4 Years
View
▼
APR4.70%
Term4 Years
Last UpdatedApr 18, 2026
Details

As Low As

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 48 months
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
4.75%
1-36 months
View
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details

As Low As; 6 yr Financing

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 mos.
View
▼
APR4.75%
Term72 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.75%
Up to 54 Months
View
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
View
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details

MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72 months
View
▼
APR4.79%
Term24-72 months
Last UpdatedApr 19, 2026
Details

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.79%
48 months
View
▼
APR4.79%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As*

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As*

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 60 months
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
View
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.99%
69 Months
View
▼
APR4.99%
Term69 Months
Last UpdatedMay 2, 2026
Details

As Low As

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, Up to 66 months

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details

Score B: 625 - 699 (Max $50,000)

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
5.10%
6 Years
View
▼
APR5.10%
Term6 Years
Last UpdatedApr 18, 2026
Details

As Low As

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.24%
61-72 months
View
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As*

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 72 months
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
New Vehicle Loans
5.25%
Up to 36 Months
View
▼
APR5.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New 2026 through 2024

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.25%
Up to 66 Months
View
▼
APR5.25%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details

As Low As

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
5.34%
up to 84
View
▼
APR5.34%
Termup to 84
Last UpdatedMay 2, 2026
Details

As Low As; low as 5.34%*

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details

Max 72 months

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.49%
73-84 months*
View
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
5.50%
84 mos.
View
▼
APR5.50%
Term84 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
View
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
5.74%
79 Months
View
▼
APR5.74%
Term79 Months
Last UpdatedMay 2, 2026
Details

As Low As

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
View
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, 67-78 months

Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicles
5.75%
up to 7 years
View
▼
APR5.75%
Termup to 7 years
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
7.59%
up to 36 months
View
▼
APR7.59%
Termup to 36 months
Last UpdatedMay 3, 2026
Details

2019-2021

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
7.86%
up to 48 months
View
▼
APR7.86%
Termup to 48 months
Last UpdatedMay 3, 2026
Details

2022-2023

FNB of Waterloo
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL, 62401
Used Vehicles
8.37%
up to 24 months
View
▼
APR8.37%
Termup to 24 months
Last UpdatedMay 3, 2026
Details

2018 or older

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedApr 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%
Used Auto Loan
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
View
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details

Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 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%
Used Auto Loan
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedApr 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%
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.49%
12 to 36
View
▼
APR4.49%
Term12 to 36
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.50%
3 Months
View
▼
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details

3 yr Financing

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 5-6 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Vehicle Based on Retail Value
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.60%
2 Years
View
▼
APR4.60%
Term2 Years
Last UpdatedApr 18, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
4.75%
1-36 months
View
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details

As Low As; 6 yr Financing

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
4.75%
(1 - 5 yrs. old) up to 54 mos.
View
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.80%
3 Years
View
▼
APR4.80%
Term3 Years
Last UpdatedApr 18, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.89%
Up to 36 Months*
View
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedApr 27, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedMay 2, 2026
Details

As Low As*

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 36 months
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
View
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, Up to 66 months

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.99%
37 to 60
View
▼
APR4.99%
Term37 to 60
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

Score B: 625 - 699 (Max $45,000)

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 18, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.00%
Up to 42 Months
View
▼
APR5.00%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.00%
Up to 54 Months
View
▼
APR5.00%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.20%
5 Years
View
▼
APR5.20%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.24%
61-72 months
View
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As*

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 48 months
5.24%
Up to 48 months
View
▼
APR5.24%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New 2026 through 2024

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.40%
6 Years
View
▼
APR5.40%
Term6 Years
Last UpdatedApr 18, 2026
Details

As Low As

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.45%
72 Months
View
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details

2015 - 2017; 72 Months

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
View
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
View
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.49%
73-84 months*
View
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
View
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details

As Low As

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 60 months
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
5.49%
61 to 72
View
▼
APR5.49%
Term61 to 72
Last UpdatedMay 2, 2026
Details

2019 or older add 2% to rate

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 7-10 years old
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2015-19 Models
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.50%
Up to 54 Months
View
▼
APR5.50%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details

As Low As

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.50%
Up to 66 Months
View
▼
APR5.50%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details

As Low As

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
View
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details

As Low As

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.70%
72 Months
View
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details

2018 - 2019; Max 72 months

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 72 months
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; ...

Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
View
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details

As Low As; 2019-2027, 67-78 months

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
5.75%
(1-5 yrs. old) 60 mos.
View
▼
APR5.75%
Term(1-5 yrs. old) 60 mos.
Last UpdatedApr 27, 2026
Details

New Molex loans only.

Effingham, IL Auto Loan Rate Trends

Compare local Effingham, IL auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Illinois Auto Trends →
New Auto Loan — IL Avg
5.784%
▲ 0.689 vs 7 days ago

Illinois new auto rates rose 0.689 points over the past 7 days to 5.784% APR.

Used Auto Loan — IL Avg
6.519%
▲ 0.652 vs 7 days ago

Illinois used auto rates rose 0.652 points over the past 7 days to 6.519% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Effingham, 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 Effingham, 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 Effingham, 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 Effingham, Illinois?

Based on our current data, some of the lowest auto loan rates available in Effingham, Illinois include:
  • FNB of Waterloo: 6.10% (New Vehicles (2024-2025))
  • CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
  • South Side Community Federal Credit Union: 3.25% (New and Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Effingham, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 3, 2026

Effingham, Illinois Rates & Resources

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