Credit union · NCUA insured
CEFCU Auto Loan Rates
Top CarrotCEFCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How CEFCU’s auto loan rates compare
Compared with banks and credit unions near Peoria, IL, where CEFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CEFCU
4.99%APR
- Terms
- up to 66 months
CEFCU Standard Vehicle Loan
Lowest rate
Cooperative Choice Network Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
Peoria Hiway CU
4.25%APR
- Terms
- —
CEFCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CEFCU 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.
CEFCU Standard Vehicle Loan
Available to well-qualified borrowers. LTV <= 100%. Terms subject to limitation based on vehicle model year. In-house refinances excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.99% | Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers. |
| up to 60 months | 5.14% | Model Year 2022-2023. LTV <= 100%. Well-qualified borrowers. |
| up to 60 months | 5.34% | Model Year 2021. LTV <= 100%. Well-qualified borrowers. |
| up to 60 months | 5.64% | Model Year 2020. LTV <= 100%. Well-qualified borrowers. |
| up to 48 months | 6.54% | Model Year 2019. LTV <= 100%. Well-qualified borrowers. |
| up to 36 months | 9.04% | Model Year 2018 AND OLDER. LTV <= 100%. Well-qualified borrowers. |
Who can join CEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or regularly worship in designated California counties are eligible to join CEFCU.
- Individuals who live or work in designated Illinois counties are eligible to join CEFCU.
Employers and groups
- Employees and retirees of Caterpillar Inc., its subsidiaries, or Caterpillar Dealerships are eligible to join CEFCU.
- CEFCU employees and retirees are eligible to join CEFCU.
- Employees and retirees of CEFCU partner companies are eligible to join CEFCU.
Military, government and schools
- Current members of the ISU Alumni Association or ISU Athletic Boosters Association are eligible to join CEFCU.
3 more ways to join
Family and household
- Household members of someone eligible to join CEFCU are eligible for membership.
- Immediate family members of someone eligible to join CEFCU are eligible for membership.
- Surviving spouses of deceased members or individuals who died within the field of membership are eligible to join CEFCU within six months of death.
Membership information collected October 5, 2026.