Credit union · Privately insured
Blackhawk Area Credit Union Auto Loan Rates
Blackhawk Area Credit Union auto loans start at 6.00% for a used one. Rates checked October 16, 2026.
How Blackhawk Area Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochelle, IL, where Blackhawk Area Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Blackhawk Area Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Consumers Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Blackhawk Area Credit Union auto loan score
65
Auto loan score
Higher than 14% of U.S. banks and credit unions
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Blackhawk Area 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 (Never Been Titled)
Brand new and never been titled. 'Vehicle' is identified as automobile, motorcycle, dirt bike, recreational vehicles, jet skis, and wave runners. Rates as low as 5.00%. Rate is based on your credit report. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | Model Year: 2025-2026. Rate based on credit report. |
| up to 72 months | 6.50% | Model Year: 2025-2026. Borrowing $20,000.00 or more up to 100%. Rate based on credit report. |
Sources (1)
- bacu.org/about/rates · captured Oct 7, 2026
Used Vehicle
Rate is based on credit report. 'Vehicle' is identified as automobile, motorcycle, dirt bike, recreational vehicles, jet skis, and wave runners. Rates as low as 5.00%. Subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | Model Year: 2005 or older antique vehicles. Rate based on credit report. |
| up to 36 months | 10.00% | Model Year: 2006-2009. Rate based on credit report. |
| up to 48 months | 9.00% | Model Year: 2010-2014. Rate based on credit report. |
| up to 48 months | 8.00% | Model Year: 2015-2017. Rate based on credit report. |
| up to 60 months | 6.00% | Model Year: 2018-2026. Rate based on credit report. |
| up to 72 months | 6.50% | Model Year: 2023-2026 ($20,000+). Rate based on credit report. |
Sources (1)
- bacu.org/about/rates · captured Oct 7, 2026
Who can join Blackhawk Area 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 Illinois counties of Carroll, JoDaviess, Lee, Ogle, Stephenson, and Whiteside.
Family and household
- Family members of current members are eligible for membership regardless of where they live, including spouses, parents, grandparents, children and legal dependents, brothers, sisters and their spouses, grandchildren, aunts, uncles, nieces, nephews, cousins, and sons- and daughters-in-law.
Cost to join
- A deposit of at least $25.00 ($5.00 for individuals under age 26) in a savings account is required and can be withdrawn upon closing membership.
- There is a $1.00 membership fee to join BACU.
Membership information collected October 5, 2026.