Credit union · NCUA insured
Canals & Trails Credit Union Auto Loan Rates
Canals & Trails Credit Union auto loans start at 4.50% APR for a new vehicle and 7.99% for a used one. Rates checked October 23, 2026.
How Canals & Trails Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Canals & Trails Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Canals & Trails Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle 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
Canals & Trails Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Canals & Trails 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.
Vehicle Loans
Financing for qualifying new and used cars and trucks, with terms based on vehicle age, creditworthiness and other factors. Membership requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.00% | 2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV. |
| up to 48 months | 4.50% | 2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV. |
| up to 60 months | 4.50% | 2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV. |
| up to 72 months | 6.99% | 2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV. |
| up to 84 months | 7.99% | 2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV. |
| up to 36 months | 6.99% | 2018 - 2025 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 42 months | 7.49% | 2018 - 2025 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 48 months | 7.99% | 2018 - 2025 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 60 months | 7.99% | 2018 - 2025 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 36 months | 7.49% | 2014 - 2017 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 42 months | 7.99% | 2014 - 2017 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
| up to 48 months | 8.49% | 2014 - 2017 vehicles. LTV up to 70%. Rate may vary based on credit score and repayment options. Credit Union uses NADA.com for LTV. |
Sources (2)
All captured Oct 23, 2026
Who can join Canals & Trails Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.