Credit union · NCUA insured
2 Rivers Area Credit Union Auto Loan Rates
2 Rivers Area Credit Union auto loans start at 4.90% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How 2 Rivers Area Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kankakee, IL, where 2 Rivers Area Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
2 Rivers Area Credit Union
4.90%APR
- Terms
- up to 84 months
New Vehicle Rates
Lowest rate
Riverside Community Credit Union
4.00%APR
- Terms
- up to 60 months
2nd-lowest rate
Fieldstone Credit Union
4.50%APR
- Terms
- —
2 Rivers Area Credit Union auto loan score
80
Auto loan score
Higher than 51% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 2 Rivers Area Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Rates
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.90% | Untitled |
Sources (1)
- 2riversacu.com/rates-fees · captured Oct 7, 2026
Used Vehicle Rates
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.50% | 0-7 years old |
Sources (1)
- 2riversacu.com/rates-fees · captured Oct 7, 2026
Who can join 2 Rivers Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons living in or working in Kankakee, Will, and Iroquois Counties.
Employers and groups
- Open to employees of Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center.
- Open to persons retired as pensioners or annuitants from qualifying employers (Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center).
Family and household
- Open to spouses of persons who expired while within the field of membership.
- Open to family members (spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, stepparents, stepchildren, step-siblings, and adoptions) and household members (people living in the same residence as a single economic unit) of otherwise eligible persons.
Membership information collected October 5, 2026.