Credit union · Privately insured
Abbott Laboratories Employees Credit Union Auto Loan Rates
Top CarrotAbbott Laboratories Employees Credit Union auto loans start at 4.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Abbott Laboratories Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Abbott Laboratories Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Abbott Laboratories Employees Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
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
Abbott Laboratories Employees Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Abbott Laboratories Employees 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 Refinance - New Auto Loans
Refinancing for vehicle model years 2025-2026 with less than 5,000 miles. Refinance of existing ALEC Auto Loans excluded. Disclosed rates include ALEC's 0.50% APR discount. Maximum financing up to 125% MSRP for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 48 months | 5.24% | — |
| up to 60 months | 5.49% | — |
| up to 72 months | 5.74% | 72-month loans are available with a minimum $25,000 loan amount. |
| up to 84 months | 6.24% | 84-month loans are available with a minimum $30,000 loan amount. |
Sources (1)
- alecu.org/products/lending/refinance-a-car · captured Oct 16, 2026
Auto Refinance - Used Auto
Refinancing for vehicle model years 2019-2024 and 2025-2026 with over 5,000 miles. Refinance of existing ALEC Auto Loans excluded. Disclosed rates include ALEC's 0.50% APR discount. Maximum financing up to 125% MSRP for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.99% | 72-month loans are available with a minimum $25,000 loan amount. |
| up to 84 months | 5.99% | 84-month loans are available with a minimum $30,000 loan amount. |
Sources (1)
- alecu.org/products/lending/refinance-a-car · captured Oct 16, 2026
First Time Auto Buyer
For members 18 years and older with little to no credit and no prior auto loan history as indicated on a credit report. Maximum LTV of 100% of vehicle value. Maximum amount financed $30,000. Maximum term 60 months. No prepayment penalty. Includes 0.50% APR discount for qualifying members. Family Pricing available with a guarantor where rate is based on higher credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Maximum loan amount $30,000. |
| up to 48 months | 4.99% | Maximum loan amount $30,000. |
| up to 60 months | 5.24% | Maximum loan amount $30,000. |
Late Model Used Auto
Vehicle year 2018 and older. Disclosed rates include ALEC's 0.50% APR discount (automatic for new members within first 60 days or returning loan members; existing members qualify with $500 monthly direct deposit into ALEC Checking and enrollment in E-Statements). Up to 125% financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.74% | — |
Sources (1)
- alecu.org/rates · captured Oct 16, 2026
New Auto Loans
Vehicle year 2025-2026 with less than 5,000 miles. Refinance of existing ALEC Auto Loans excluded. Disclosed rates include ALEC's 0.50% APR discount (automatic for new members within first 60 days or returning loan members; existing members qualify with $500 monthly direct deposit into ALEC Checking and enrollment in E-Statements). Up to 125% financing of vehicle value. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Advertised promotional rate valid on loans opened beginning October 1st and closed by October 31st, 2026. |
| up to 48 months | 3.99% | Advertised promotional rate valid on loans opened beginning October 1st and closed by October 31st, 2026. |
| up to 60 months | 4.24% | — |
| up to 72 months | 4.24% | Available with a minimum $25,000 loan amount. |
| up to 84 months | 4.49% | Available with a minimum $30,000 loan amount. |
| up to 36 months | 3.99% | — |
| up to 48 months | 3.99% | — |
| up to 60 months | 4.24% | — |
| up to 72 months | 4.24% | Available with a minimum $25,000 loan amount. |
| up to 84 months | 4.49% | Available with a minimum $30,000 loan amount. |
Used Auto
Vehicle year 2019-2024 (or 2019-2025 on rate sheet) and 2025-2026 with over 5,000 miles. Refinance of existing ALEC Auto Loans excluded. Disclosed rates include ALEC's 0.50% APR discount (automatic for new members within first 60 days or returning loan members; existing members qualify with $500 monthly direct deposit into ALEC Checking and enrollment in E-Statements). Up to 125% financing. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Advertised promotional rate valid on loans up to 72 months opened beginning October 1st and closed by October 31st, 2026. |
| up to 48 months | 4.49% | Advertised promotional rate valid on loans up to 72 months opened beginning October 1st and closed by October 31st, 2026. |
| up to 60 months | 4.49% | Advertised promotional rate valid on loans up to 72 months opened beginning October 1st and closed by October 31st, 2026. |
| up to 72 months | 4.49% | Advertised promotional rate valid on loans up to 72 months opened beginning October 1st and closed by October 31st, 2026. Available with a minimum $25,000 loan amount. |
| up to 84 months | 5.99% | Available with a minimum $30,000 loan amount. |
| up to 36 months | 4.49% | — |
| up to 48 months | 4.49% | — |
| up to 60 months | 4.49% | — |
| up to 72 months | 4.49% | Available with a minimum $25,000 loan amount. |
| up to 84 months | 5.99% | Available with a minimum $30,000 loan amount. |
Who can join Abbott Laboratories Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.