Credit union · NCUA insured
Area Educational Credit Union Auto Loan Rates
Top CarrotArea Educational 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 Area Educational Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, IL, where Area Educational Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Area Educational Credit Union
4.50%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Blaw Knox Credit Union
4.25%APR
- Terms
- —
3rd-lowest rate
Land of Lincoln Credit Union
4.75%APR
- Terms
- up to 60 months
Area Educational 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 Area Educational 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 Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50% | New Cars; 20% Down Payment. |
| up to 36 months | 3.90% | New Cars; Up to retail value of Loan. |
| up to 36 months | 4.50% | New Cars; Up to 120% of Retail value. |
| up to 48 months | 3.90% | New Cars; 20% Down Payment. |
| up to 48 months | 4.50% | New Cars; Up to retail value of Loan. |
| up to 48 months | 4.90% | New Cars; Up to 120% of Retail value. |
| up to 60 months | 4.50% | New Cars; 20% Down Payment. |
| up to 60 months | 4.90% | New Cars; Up to retail value of Loan. |
| up to 60 months | 5.50% | New Cars; Up to 120% of Retail value. |
| up to 72 months | 4.90% | New Cars; 20% Down Payment. |
| up to 72 months | 5.50% | New Cars; Up to retail value of Loan. |
| up to 72 months | 5.90% | New Cars; Up to 120% of Retail value. |
| up to 36 months | 4.90% | Used Cars 2025-2026; Up to 120% of Retail value. |
| up to 48 months | 5.50% | Used Cars 2025-2026; Up to 120% of Retail value. |
| up to 60 months | 5.90% | Used Cars 2025-2026; Up to 120% of Retail value. |
| up to 72 months | 6.50% | Used Cars 2025-2026; Up to 120% of Retail value. |
| up to 24 months | 4.50% | Used Cars 2023-2024; NADA Trade-in Value. |
| up to 24 months | 4.90% | Used Cars 2023-2024; Up to retail value of Loan. |
| up to 24 months | 5.50% | Used Cars 2023-2024; Up to 120% of Retail value. |
| up to 36 months | 5.50% | Used Cars 2023-2024; Up to retail value of Loan. |
| up to 36 months | 5.90% | Used Cars 2023-2024; Up to 120% of Retail value. |
| up to 48 months | 5.90% | Used Cars 2023-2024; Up to retail value of Loan. |
| up to 48 months | 6.50% | Used Cars 2023-2024; Up to 120% of Retail value. |
| up to 60 months | 6.50% | Used Cars 2023-2024; Up to retail value of Loan. |
| up to 60 months | 6.90% | Used Cars 2023-2024; Up to 120% of Retail value. |
| up to 24 months | 5.90% | Used Cars 2020-2022; Up to retail value of Loan. |
| up to 24 months | 6.50% | Used Cars 2020-2022; Up to 120% of Retail value. |
| up to 36 months | 6.50% | Used Cars 2020-2022; Up to retail value of Loan. |
| up to 36 months | 6.90% | Used Cars 2020-2022; Up to 120% of Retail value. |
| up to 48 months | 6.90% | Used Cars 2020-2022; Up to retail value of Loan. |
| up to 48 months | 7.50% | Used Cars 2020-2022; Up to 120% of Retail value. |
| up to 24 months | 6.90% | Used Cars 2013-2019; NADA Trade-in Value. |
| up to 24 months | 7.50% | Used Cars 2013-2019; Up to retail value of Loan. |
| up to 24 months | 7.90% | Used Cars 2013-2019; Up to 120% of Retail value. |
| up to 36 months | 7.50% | Used Cars 2013-2019; NADA Trade-in Value. |
| up to 36 months | 7.90% | Used Cars 2013-2019; Up to retail value of Loan. |
| up to 36 months | 8.50% | Used Cars 2013-2019; Up to 120% of Retail value. |
Sources (1)
- myaecu.com/Rates · captured Sep 17, 2026
Who can join Area Educational Credit Union
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