Credit union · NCUA insured
Bloomington Municipal Credit Union Auto Loan Rates
Top CarrotBloomington Municipal Credit Union auto loans start at 3.29% APR for a new vehicle and 3.29% for a used one. Rates checked October 16, 2026.
How Bloomington Municipal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IL, where Bloomington Municipal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bloomington Municipal Credit Union
3.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Autos & Trucks 2025 & Newer
2nd-lowest rate
Credit Union For All
3.32%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
U of I Community Credit Union
3.75%APR
- Terms
- 49–63 months
- Discount
- Included in the rate
Bloomington Municipal Credit Union auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.29%
- Used vehicleUsed3.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bloomington Municipal 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.
Autos & Trucks 2017 & Older
Advertised rates include a 0.25% discount for automatic payment from a BMCU account/payroll deduction and a 0.25% discount for having an active checking account with direct deposit. Actual rates depend on credit qualifications. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.79% | Rate is 'low as 6.79%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Autos & Trucks 2018-2019
Advertised rates include a 0.25% discount for automatic payment from a BMCU account/payroll deduction and a 0.25% discount for having an active checking account with direct deposit. Actual rates depend on credit qualifications. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Rate is 'low as 5.49%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Autos & Trucks 2020-2021
Advertised rates include a 0.25% discount for automatic payment from a BMCU account/payroll deduction and a 0.25% discount for having an active checking account with direct deposit. Actual rates depend on credit qualifications. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.39% | Rate is 'low as 4.39%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Autos & Trucks 2022-2024
Advertised rates include a 0.25% discount for automatic payment from a BMCU account/payroll deduction and a 0.25% discount for having an active checking account with direct deposit. Actual rates depend on credit qualifications. Loan amount must be over $50,000 to qualify for longer terms. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.19% | Rate is 'low as 4.19%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. |
| up to 72 months | 4.69% | Rate is 'low as 4.69%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. Loan amount must be over $50,000 to qualify for longer term. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Autos & Trucks 2025 & Newer
Advertised rates include a 0.25% discount for automatic payment from a BMCU account/payroll deduction and a 0.25% discount for having an active checking account with direct deposit. Actual rates depend on credit qualifications. Loan amount must be over $50,000 to qualify for longer terms. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.29% | Rate is 'low as 3.29%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. |
| up to 72 months | 3.79% | Rate is 'low as 3.79%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. Loan amount must be over $50,000 to qualify for longer term. |
| up to 84 months | 5.04% | Rate is 'low as 5.04%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount. Loan amount must be over $50,000 to qualify for longer term. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Motorcycles 2022 & Older
Actual rates will be based on credit qualifications and may be higher than advertised rates. Advertised rates include .25% discount for automatic payment from a BMCU account/payroll deduction and .25% discount for having an active checking account with direct deposit. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99% | Rate is low as 8.99%. Rate row does not have an asterisk; relationship discount inclusion is unstated. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Motorcycles 2023 & Newer
Actual rates will be based on credit qualifications and may be higher than advertised rates. Advertised rates include .25% discount for automatic payment from a BMCU account/payroll deduction and .25% discount for having an active checking account with direct deposit. Existing BMCU loans may not be eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.99% | Rate is low as 7.99%. Rate row does not have an asterisk; relationship discount inclusion is unstated. |
Sources (1)
- bmcu.org/rates-fees · captured Oct 16, 2026
Who can join Bloomington Municipal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.