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

Content reviewed by
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 Mattoon, 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 12, 2026

Current auto loan rates in Mattoon, Illinois include Area Educational Credit UnionArea Educational Credit Union812 CHARLESTON AVE, MATTOON, IL, 61938A+5.0 ★Texas Ratio: 0.95% offering New Cars 20% Down at 3.50%, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union720 Broadway Ave, Mattoon, IL, 61938A5.0 ★Texas Ratio: 6.84% offering 84-month - 2023 - 2026 New & Used Cars, Trucks and Vans at 6.20%, 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%, Chicago Firefighters Credit UnionChicago Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.52% offering New Vehicle A 700 & Up at 3.00%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Mattoon has 2 local institutions in our database, with auto loan rates as low as 3.50% APR from Area Educational Credit Union at 812 CHARLESTON AVE, MATTOON, IL, 61938. 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 Mattoon, Illinois. Auto Loan Rates Last Updated and Verified: May 12, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
APR3.50%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 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 20% Down
3.90%
48 months
View
▼
APR3.90%
Term48 months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term48 Months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term60 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term24 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 months
Last UpdatedMay 10, 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
4.90%
72 months
View
▼
APR4.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 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 60 months
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMay 10, 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 72 months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 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
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMay 10, 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
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMay 10, 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
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMay 10, 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 Up to retail value
4.90%
24 months
View
▼
APR4.90%
Term24 months
Last UpdatedMay 10, 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
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMay 10, 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 120% of Retail
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMay 10, 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
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 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 72 months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 10, 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
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMay 10, 2026
Details

NADA trade-in value

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
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMay 10, 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 Up to retail value
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedMay 10, 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
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 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 120% of Retail
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 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
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
5.90%
24 months
View
▼
APR5.90%
Term24 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 NADA trade-in value
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMay 10, 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 Up to retail value
5.90%
48 months
View
▼
APR5.90%
Term48 months
Last UpdatedMay 10, 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 120% of Retail
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMay 10, 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
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2023 - 2026 New & Used Cars, Trucks and Vans
6.20%
84 Months
View
▼
APR6.20%
Term84 Months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
6.50%
24 months
View
▼
APR6.50%
Term24 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 Up to 120% of Retail
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMay 10, 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 Up to retail value
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 10, 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 120% of Retail
6.50%
72 months
View
▼
APR6.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
6.90%
36 months
View
▼
APR6.90%
Term36 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 Up to 120% of Retail
6.90%
60 months
View
▼
APR6.90%
Term60 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
7.50%
36 months
View
▼
APR7.50%
Term36 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.50%
24 months
View
▼
APR7.50%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedMay 10, 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
Used Cars: 2013 - 2019 Up to 120% of Retail
7.90%
24 months
View
▼
APR7.90%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.90%
36 months
View
▼
APR7.90%
Term36 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedMay 10, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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%
New Vehicle A 700 & Up
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

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 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 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%
Used Vehicle
3.25%
12 Months
View
▼
APR3.25%
Term12 Months
Last UpdatedMay 10, 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
View
▼
APR3.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

Application fee: $20.00

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 UpdatedMay 6, 2026
Details

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

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Auto Loans
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedMay 10, 2026
Details

start at 3.49% for up to 36 months

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 10, 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 12, 2026
Details

As Low As

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 UpdatedMay 6, 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%
New Vehicle A 700 & Up
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle A 700 & Up
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
60 Months
View
▼
APR3.59%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
3.69%
36 Months
View
▼
APR3.69%
Term36 Months
Last UpdatedMay 7, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Model Years 2024-2026
3.75%
36 Months
View
▼
APR3.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; For Well Qualified Borrowers

Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Car Loan 2021 & Newer
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedMay 10, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMay 10, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Auto Loan 2023 and Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 10, 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

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 12, 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 12, 2026
Details

As Low As

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 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%
New Vehicle Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 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%
New Vehicle A 700 & Up
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle A 700 & Up
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle B 625-699
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedMay 7, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
72 Months
View
▼
APR4.09%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Spring Vehicle Event! Vehicle Loan
4.14%
24 Months
View
▼
APR4.14%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As; 2024, '25 & '26 Models

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.19%
60 Months
View
▼
APR4.19%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 UpdatedMay 7, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMay 10, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Auto Loan
4.24%
72 Months
View
▼
APR4.24%
Term72 Months
Last UpdatedMay 10, 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

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle C 550-624
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Model Years 2020-2023
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; For Well Qualified Borrowers

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Model Years 2024-2026
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; For Well Qualified Borrowers

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 UpdatedMay 10, 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 12, 2026
Details

As Low As

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 12, 2026
Details

2025 and newer

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedMay 7, 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 12, 2026
Details

2025 and newer

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2020-2021
4.39%
60 Months
View
▼
APR4.39%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 UpdatedMay 6, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 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%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMay 10, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 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%
New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year 2026 - 2025

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loan New
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loan Used
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Auto Loan 2021 - 2022
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 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

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loans New 2026-2025
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loans Used 2025-2023
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

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 12, 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 12, 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 12, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2025-2026 Vehicle Loans
4.50%
2 Months
View
▼
APR4.50%
Term2 Months
Last UpdatedMay 10, 2026
Details

As Low As

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle A 700 & Up
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle A 700 & Up
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle B 625-699
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
NEW VEHICLES ONLY
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 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 12, 2026
Details

As Low As

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 12, 2026
Details

2025 and newer

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 UpdatedMay 7, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

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 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.69%
72 Months
View
▼
APR4.69%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.74%
over 60 months
View
▼
APR4.74%
Termover 60 months
Last UpdatedMay 10, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 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%
New Vehicles
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year 2026 - 2025

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
4.74%
24-60
View
▼
APR4.74%
Term24-60
Last UpdatedMay 10, 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 12, 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 12, 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 12, 2026
Details

As Low As

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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 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%
Used Vehicle Loans
4.75%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

*ADD 1% EXTRA FOR BOATS; New Molex loans only.

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle C 550-624
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle D below 550
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle C 550-624
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Model Years 2020-2023
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; For Well Qualified Borrowers

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Model Years 2024-2026
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; For Well Qualified Borrowers

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedMay 10, 2026
Details

As Low As; 6 yr Financing

WISE CU
Institution Rating:
A+5.0 ★
USED VEHICLES
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 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 12, 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 12, 2026
Details

As Low As

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 12, 2026
Details

2025 and newer

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2023-2024)
4.78%
24 Months
View
▼
APR4.78%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.78%
24-36
View
▼
APR4.78%
Term24-36
Last UpdatedMay 10, 2026
Details

As Low As

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 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedMay 10, 2026
Details

Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Spring Vehicle Event! Vehicle Loan
4.79%
63 Months
View
▼
APR4.79%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As; 2024, '25 & '26 Models

MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72
View
▼
APR4.79%
Term24-72
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
Auto Loans
4.80%
84 Months
View
▼
APR4.80%
Term84 Months
Last UpdatedMay 10, 2026
Details

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
New & Pre-Owned Auto Loans
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 2026
Details

As Low As

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
Pre-Owned Auto Loans(7 model years or newer)
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 7, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.89%
36 Months
View
▼
APR4.89%
Term36 Months
Last UpdatedMay 7, 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%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 10, 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 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 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 12, 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 12, 2026
Details

2022-2024

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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
New & Previous Model Year (2025 & 2026) Auto Loan
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
2023 & Newer Model Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Tier 1 700+

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year: 2026 - 2025; Term: Up to 60 months

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
APR3.50%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 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 20% Down
3.90%
48 months
View
▼
APR3.90%
Term48 months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term48 Months
Last UpdatedMay 10, 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
View
▼
APR3.90%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term60 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 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
4.90%
72 months
View
▼
APR4.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 10, 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 60 months
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMay 10, 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 72 months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 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
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMay 10, 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
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 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 72 months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 10, 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
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2023 - 2026 New & Used Cars, Trucks and Vans
6.20%
84 Months
View
▼
APR6.20%
Term84 Months
Last UpdatedMay 10, 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 UpdatedMay 6, 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 UpdatedMay 6, 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%
New Vehicle A 700 & Up
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 6, 2026
Details

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

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

Application fee: $20.00

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 UpdatedMay 6, 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 10, 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 12, 2026
Details

As Low As

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle A 700 & Up
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
60 Months
View
▼
APR3.59%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
3.69%
36 Months
View
▼
APR3.69%
Term36 Months
Last UpdatedMay 7, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Car Loan 2021 & Newer
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedMay 10, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMay 10, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Auto Loan 2023 and Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 10, 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

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Autos
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedMay 12, 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 UpdatedMay 6, 2026
Details

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

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 7, 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%
New Vehicle A 700 & Up
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedMay 7, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
72 Months
View
▼
APR4.09%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle C 550-624
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 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 12, 2026
Details

As Low As

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 UpdatedMay 6, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 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%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMay 10, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 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%
New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year 2026 - 2025

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loan New
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loans New 2026-2025
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

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 UpdatedMay 7, 2026
Details

As Low As

Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
New 2025-2026 Vehicle Loans
4.50%
2 Months
View
▼
APR4.50%
Term2 Months
Last UpdatedMay 10, 2026
Details

As Low As

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle A 700 & Up
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle B 625-699
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
NEW VEHICLES ONLY
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.74%
over 60 months
View
▼
APR4.74%
Termover 60 months
Last UpdatedMay 10, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 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%
New Vehicles
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year 2026 - 2025

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 12, 2026
Details

As Low As

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 UpdatedMay 7, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 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%
New Vehicle C 550-624
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Vehicle D below 550
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedMay 10, 2026
Details

As Low As; 6 yr Financing

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 12, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2023-2024)
4.78%
24 Months
View
▼
APR4.78%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.78%
24-36
View
▼
APR4.78%
Term24-36
Last UpdatedMay 10, 2026
Details

As Low As

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 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedMay 10, 2026
Details

MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72
View
▼
APR4.79%
Term24-72
Last UpdatedMay 10, 2026
Details

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
New & Pre-Owned Auto Loans
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 2026
Details

As Low As

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
Pre-Owned Auto Loans(7 model years or newer)
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Auto
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 7, 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%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

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 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 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 UpdatedMay 6, 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%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
New & Previous Model Year (2025 & 2026) Auto Loan
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
2023 & Newer Model Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Tier 1 700+

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Auto Loans New Vehicles
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; Model Year: 2026 - 2025; Term: Up to 60 months

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
APR3.90%
Term36 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term24 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 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
View
▼
APR4.50%
Term36 months
Last UpdatedMay 10, 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
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMay 10, 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 Up to retail value
4.90%
24 months
View
▼
APR4.90%
Term24 months
Last UpdatedMay 10, 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
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMay 10, 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 120% of Retail
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMay 10, 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
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMay 10, 2026
Details

NADA trade-in value

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
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMay 10, 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 Up to retail value
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedMay 10, 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
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 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 120% of Retail
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 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
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
5.90%
24 months
View
▼
APR5.90%
Term24 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 NADA trade-in value
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMay 10, 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 Up to 120% of Retail
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMay 10, 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 Up to retail value
5.90%
48 months
View
▼
APR5.90%
Term48 months
Last UpdatedMay 10, 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 120% of Retail
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMay 10, 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
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMay 10, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2023 - 2026 New & Used Cars, Trucks and Vans
6.20%
84 Months
View
▼
APR6.20%
Term84 Months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
6.50%
24 months
View
▼
APR6.50%
Term24 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 Up to 120% of Retail
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMay 10, 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 Up to retail value
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 10, 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 120% of Retail
6.50%
72 months
View
▼
APR6.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
6.90%
36 months
View
▼
APR6.90%
Term36 months
Last UpdatedMay 10, 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
Used Cars: 2023 - 2024 Up to 120% of Retail
6.90%
60 months
View
▼
APR6.90%
Term60 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
7.50%
36 months
View
▼
APR7.50%
Term36 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.50%
24 months
View
▼
APR7.50%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedMay 10, 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
Used Cars: 2013 - 2019 Up to 120% of Retail
7.90%
24 months
View
▼
APR7.90%
Term24 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.90%
36 months
View
▼
APR7.90%
Term36 months
Last UpdatedMay 10, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 6, 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 UpdatedMay 6, 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%
Used Vehicle
3.25%
12 Months
View
▼
APR3.25%
Term12 Months
Last UpdatedMay 10, 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
View
▼
APR3.25%
Term36 Months
Last UpdatedMay 10, 2026
Details

Application fee: $20.00

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 12, 2026
Details

As Low As

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 UpdatedMay 6, 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%
Used Vehicle A 700 & Up
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMay 10, 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 UpdatedMay 6, 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%
Used Vehicle A 700 & Up
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle B 625-699
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 6, 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%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMay 10, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loan Used
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
Auto Loans Used 2025-2023
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedMay 10, 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 12, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle A 700 & Up
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle B 625-699
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details

Limit of $90,000.00

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 UpdatedMay 10, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 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 UpdatedMay 7, 2026
Details

As Low As

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedMay 7, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New or Used Auto
4.74%
over 60 months
View
▼
APR4.74%
Termover 60 months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
4.75%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

*ADD 1% EXTRA FOR BOATS; New Molex loans only.

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Used Vehicle C 550-624
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
New and Used Vehicles
4.75%
6 Months
View
▼
APR4.75%
Term6 Months
Last UpdatedMay 10, 2026
Details

As Low As; 6 yr Financing

WISE CU
Institution Rating:
A+5.0 ★
USED VEHICLES
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2023-2024)
4.78%
24 Months
View
▼
APR4.78%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.78%
24-36
View
▼
APR4.78%
Term24-36
Last UpdatedMay 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
New & Pre-Owned Auto Loans
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 2026
Details

As Low As

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
Pre-Owned Auto Loans(7 model years or newer)
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 10, 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%
36 Months
View
▼
APR4.89%
Term36 Months
Last UpdatedMay 7, 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%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 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 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2024-New
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 6, 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 UpdatedMay 7, 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%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Mattoon, IL Auto Loan Rate Trends

Compare local Mattoon, 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
5.495%
▼ 0.334 vs 7 days ago

Illinois new auto rates fell 0.334 points over the past 7 days to 5.495% APR.

Used Auto Loan — IL Avg
6.277%
▼ 0.343 vs 7 days ago

Illinois used auto rates fell 0.343 points over the past 7 days to 6.277% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Based on our current data, some of the lowest auto loan rates available in Mattoon, Illinois include:
  • Area Educational Credit Union: 3.50% (New Cars 20% Down)
  • Land Of Lincoln Credit Union: 6.20% (84-month - 2023 - 2026 New & Used Cars, Trucks and Vans)
  • CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
  • Chicago Firefighters Credit Union: 3.00% (New Vehicle A 700 & Up)
  • Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Mattoon, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

Mattoon, Illinois Rates & Resources

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