Credit union · Privately insured
Access Credit Union Auto Loan Rates
Access Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Access Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Access Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Access Credit Union
5.25%APR
- Terms
- up to 66 months
- Discount
- None included
New Autos 2024 - 2025
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
Access Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Access 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 Autos 2024 - 2025
Must be a member of Access Credit Union. Requires loan application ($20 fee), proof of income, proof of auto insurance, and purchase order/buyers order from dealer. $95 title transfer fee may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 4.25% | Rates subject to change without notice. |
| up to 54 months | 4.75% | Rates subject to change without notice. |
| up to 66 months | 5.25% | Rates subject to change without notice. |
| up to 72 months | 5.75% | Rates subject to change without notice. |
Sources (3)
- access-cu.com/loans/required-for-auto-loan
- access-cu.com/loans/vehicle-loans
- access-cu.com/loans/loan-rates
All captured Oct 6, 2026
Used Autos
Must be a member of Access Credit Union. Requires loan application ($20 fee), proof of income, proof of auto insurance, and purchase/refinance documentation. $95 title transfer fee may apply. For autos older than 2013 and/or 100K miles, collateralized loans are considered.
| Terms | APR | Conditions |
|---|---|---|
| up to 42 months | 4.50% | Applies to 2022-23 Models. Rates subject to change without notice. |
| up to 42 months | 5.00% | Applies to 2020-21 Models. Rates subject to change without notice. |
| up to 42 months | 5.50% | Applies to 2015-19 Models. Rates subject to change without notice. |
| up to 54 months | 5.00% | Applies to 2022-23 Models. Rates subject to change without notice. |
| up to 54 months | 5.50% | Applies to 2020-21 Models. Rates subject to change without notice. |
| up to 54 months | 6.00% | Applies to 2015-19 Models. Rates subject to change without notice. |
| up to 66 months | 5.50% | Applies to 2022-23 Models. Rates subject to change without notice. |
Sources (3)
- access-cu.com/loans/required-for-auto-loan
- access-cu.com/loans/vehicle-loans
- access-cu.com/loans/loan-rates
All captured Oct 6, 2026
Who can join Access 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 geographic area bordered by Lake Michigan on the East, California Ave on the West, Garfield Ave/55th Street on the South, and Harrison Street on the North.
- Membership is open to individuals who live or work in any of the 22 designated Illinois communities.
Employers and groups
- Membership is open to anyone employed by one of the listed Partner Companies or Organizations.
Family and household
- Membership is open to members of the immediate family or household of a current Access Credit Union member.
Membership information collected October 5, 2026.