Credit union · NCUA insured
Central Credit Union of Illinois Auto Loan Rates
Central Credit Union of Illinois auto loans start at 5.29% APR for a new vehicle and 4.79% for a used one. Rates checked October 16, 2026.
How Central Credit Union of Illinois’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Central Credit Union of Illinois has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Credit Union of Illinois
5.29%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
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
Central Credit Union of Illinois auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed4.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Credit Union of Illinois 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
Listed rates are for 110% financing for qualified members and include a 0.10% member relationship discount (must have a Central Credit Union checking account, real estate loan, vehicle loan, or Visa Platinum at disbursement) and a 0.25% automatic payment discount (monthly payment automatically deducted from a Central Credit Union checking account). To take advantage of listed rates, must apply by November 30, 2026 and disburse loan by December 15, 2026. Refinances are not valid for existing Central Credit Union loans. A Secretary of State retitling fee is added to the loan balance for refinances under $10,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 27 months | 4.14% | Applicable to 2024, '25, '26 & '27 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 39 months | 4.14% | Applicable to 2024, '25, '26 & '27 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 51 months | 4.14% | Applicable to 2024, '25, '26 & '27 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 63 months | 4.79% | Applicable to 2024, '25, '26 & '27 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 75 months | 5.09% | Applicable to 2024, '25, '26 & '27 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 84 months | 5.29% | Applicable to 2026 & '27 models; new purchases only. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 63 months | 5.14% | Applicable to 2023 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 75 months | 5.34% | Applicable to 2023 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 63 months | 5.74% | Applicable to 2022 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 63 months | 6.24% | Applicable to 2020 & '21 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
| up to 51 months | 7.24% | Applicable to 2018 & '19 models. Includes 0.10% member relationship discount and 0.25% autopay discount. |
Sources (1)
- centralcu.org/learn/rates.html · captured Oct 16, 2026
Who can join Central Credit Union of Illinois
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 in the state of Illinois are eligible for membership.
Employers and groups
- Employees who work for one of more than 250 affiliated companies or organizations are eligible for membership.
Family and household
- Family members of an existing member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of at least $5 in a Share Account to establish and retain membership.
Membership information collected October 5, 2026.