Credit union · NCUA insured
AAEC Credit Union Auto Loan Rates
Top CarrotAAEC Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How AAEC Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where AAEC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AAEC Credit Union
4.50%APR
- Terms
- 48–60 months
- Discount
- None included
New & Used Vehicles
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
AAEC Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AAEC 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.
Auto Loan Refinance
Refinance an auto loan from another lender. Loan approval subject to AAEC underwriting guidelines. No AAEC rewrites.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.90% | Take 1% off current rate instantly when refinancing from another lender. Subject to AAEC underwriting guidelines. No AAEC rewrites. Rate floor of 2.9% APR applies. |
Sources (1)
- aaeccu.com · captured Oct 16, 2026
New & Used Vehicles
Finance up to 100% of vehicle purchase including taxes, title/registration fees, warranty, GAP Insurance, and additional add-ons. Borrow up to $120,000. Car loans cannot exceed 10 year term. Ask about getting 1% off your existing lender rate. No AAEC rewrites. 2.9% floor rate. Rate based on creditworthiness and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50% | 2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 48–60 months | 4.50% | 2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 72–84 months | 5.50% | 2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 96–108 months | 8.00% | 2024-2027 Models. $25k minimum loan. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| up to 120 months | 9.00% | 2024-2027 Models. $50k minimum loan. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| up to 36 months | 4.50% | 2023 & Older Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 48–60 months | 5.50% | 2023 & Older Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 72–84 months | 8.00% | 2023 & Older Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| 96–108 months | 9.00% | 2023 & Older Models. $25k minimum loan. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
| up to 120 months | 10.00% | 2023 & Older Models. $50K minimum loan. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term. |
Who can join AAEC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in the geographical area bounded by the Illinois/Wisconsin border on the north, US 90/US39 on the west, US 80/US 294 on the south, and US 294 to IL 19 (Irving Park Rd) to Lake Michigan on the east.
Membership information collected October 5, 2026.