Credit union · NCUA insured
Advantage One Credit Union Auto Loan Rates
Top CarrotAdvantage One Credit Union auto loans start at 4.80% APR for a new vehicle and 4.80% for a used one. Rates checked October 16, 2026.
How Advantage One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sterling, IL, where Advantage One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Advantage One Credit Union
4.80%APR
- Terms
- —
- Up to
- —
New Vehicle Base Rate
Lowest rate
Select Employees Credit Union
4.49%APR
- Terms
- 49–60 months
- Up to
- 8.74% APR
3rd-lowest rate
First Federal Savings Bank
5.49%APR
- Terms
- up to 60 months
- Up to
- —
Advantage One Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed4.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advantage One 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 Base Rate
| Terms | APR | Conditions |
|---|---|---|
| — | 4.80% | As Low As |
Used Vehicle Base Rate
| Terms | APR | Conditions |
|---|---|---|
| — | 4.80% | As Low As |
Who can join Advantage One 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This may be incomplete or out of date, so check with the credit union before you apply.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 resides, works, worships, or attends school in Bureau, Carroll, Henry, Lee, Ogle, Rock Island, or Whiteside County, IL, or within a 35-mile radius of the main branch in Morrison, IL.
Cost to join
- Joining requires depositing $25 or more into a new share account (savings account).
Membership information collected October 5, 2026.