Credit union · NCUA insured
Central Illinois Credit Union Auto Loan Rates
Central Illinois Credit Union auto loans start at 3.50% APR for a new vehicle and 3.50% for a used one. Rates checked October 16, 2026.
How Central Illinois Credit Union’s auto loan rates compare
Compared with banks and credit unions near Champaign, IL, where Central Illinois Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Illinois Credit Union
3.50%APR
- Terms
- up to 84 months
- Discount
- None included
Car Loans
2nd-lowest rate
U of I Community Credit Union
3.75%APR
- Terms
- 49–63 months
- Discount
- Included in the rate
3rd-lowest rate
Community Plus FCU
3.99%APR
- Terms
- up to 60 months
- Discount
- None included
Central Illinois Credit Union auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed3.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Illinois 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.
Car Loans
Rates and terms available to qualified borrowers. Available for new/used vehicle purchase or refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.50% | Rates and terms available to qualified borrowers. Terms up to 84 months. Available for vehicle purchase or refinancing. |
Who can join Central Illinois Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside or are employed within Champaign, Coles, Cumberland, DeWitt, Douglas, Ford, Moultrie, or Piatt counties in Illinois are eligible for membership.
Employers and groups
- Employees of IGA stores in Illinois that are corporately owned by SuperValu/UNFI are eligible for membership.
- Owners and employees of IGA and SuperValu/UNFI stores in Illinois and Indiana under contract with and supplied by SuperValu/UNFI Company are eligible for membership.
- Employees and owner operators under contract as suppliers with Brisk and SuperValu/UNFI Company in Urbana, Illinois are eligible for membership.
- Employees of the News-Gazette are eligible for membership.
- Employees of the Credit Union are eligible for membership.
1 more way to join
Family and household
- Immediate family members or household members of eligible persons are eligible for membership.
Cost to join
- Joining CICU requires opening a share (savings) account with a minimum initial deposit of $5.
Membership information collected October 5, 2026.