Credit union · NCUA insured
BCU Auto Loan Rates
BCU auto loans start at 4.34% APR for a new vehicle and 5.34% for a used one. Rates checked October 17, 2026.
How BCU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where BCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BCU
4.34%APR
- Terms
- 37–75 months
- Discount
- None included
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
BCU auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.34%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BCU 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
No fee for vehicle refinances. Credit Union membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.84% | For new cars. Stated as low as for up to 36 months. |
Sources (2)
All captured Oct 17, 2026
Auto Loans
Credit Union membership is required. Vehicle financed must be no older than 13 model years and have fewer than 150,000 miles. Model years 2022 or older require calling for rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.84% | Model years 2025 & newer. Stated as low as. |
| up to 36 months | 4.84% | Model years 2023 - 2024. Stated as low as. |
| 37–75 months | 4.34% | Model years 2025 & newer. Stated as low as. |
| 37–75 months | 5.34% | Model years 2023 - 2024. Stated as low as. |
| 76–84 months | 5.34% | Model years 2025 & newer. Stated as low as. 76-84 month term available for model years 2025 and newer only. |
| 76–84 months | 6.34% | Model years 2023 - 2024. Stated as low as. |
Who can join BCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals living or working in Cook County (north of 95th street), DuPage, Kane, Lake, or McHenry County in Illinois, Kenosha County in Wisconsin, or Puerto Rico.
Employers and groups
- Eligibility is open to permanent, temporary, or contract employees and members in good standing of partner employer groups, associations, professional organizations, alumni groups, or affiliated membership groups.
Family and household
- Eligibility is open to all family members related by blood, marriage, fostering, or adoption, as well as domestic partners and qualifying household members residing in the same dwelling.
Other ways
- Eligibility is open to subscribers of the Life. Money. You. financial well-being program.
Cost to join
- Joining requires subscribing for at least one share ($1.00) in a Regular Savings account, which is deposited by BCU on behalf of the member and must be maintained for the duration of membership.
Membership information collected October 5, 2026.