Chicago Firefighters Credit Union Auto Loan Rates

How Chicago Firefighters Credit Union’s auto loan rates compare

Compared with banks and credit unions near Chicago, IL-IN, where Chicago Firefighters Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Chicago Firefighters Credit Union
4.00%APR
Terms
up to 60 months
Discount
None included
New Vehicle
Lowest rate
Rock Valley Credit Union
3.49%APR
Terms
—
Discount
None included
Rock Valley Credit Union rates
2nd-lowest rate
PSFCU
3.50%APR
Terms
up to 60 months
Discount
Included in the rate
PSFCU rates

Compare auto loan rates near you →

Auto loan score

Higher than 93% of U.S. banks and credit unions

By vehicle

New vehicleNew4.00%
Used vehicleUsed4.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Chicago Firefighters 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.

Motorcycle

RV, Older Used Vehicle, Boat, Motorcycle, Jet Skis, ATVs, Golf Carts, Snowmobile, etc - 100% Average Retail. Rates are APR based on creditworthiness and term; subject to change and not guaranteed. Minimum $1,000 advance. Subject to credit approval.

Terms	APR	Conditions
up to 36 months	5.25%–6.75%	Credit score tiers A (700 & Up: 5.25%), B (625-699: 5.75%), C (550-624: 6.25%), D (below 550: 6.75%). 100% Average Retail.
up to 48 months	5.75%–7.25%	Credit score tiers A (700 & Up: 5.75%), B (625-699: 6.25%), C (550-624: 6.75%), D (below 550: 7.25%). 100% Average Retail.
up to 60 months	6.25%–7.75%	Credit score tiers A (700 & Up: 6.25%), B (625-699: 6.75%), C (550-624: 7.25%), D (below 550: 7.75%). 100% Average Retail.
up to 72 months	6.75%–8.25%	Credit score tiers A (700 & Up: 6.75%), B (625-699: 7.25%), C (550-624: 7.75%), D (below 550: 8.25%). 100% Average Retail.
up to 84 months	7.25%–8.75%	Credit score tiers A (700 & Up: 7.25%), B (625-699: 7.75%), C (550-624: 8.25%), D (below 550: 8.75%). 100% Average Retail.
up to 120 months	8.25%–9.75%	Credit score tiers A (700 & Up: 8.25%), B (625-699: 8.75%), C (550-624: 9.25%), D (below 550: 9.75%). 100% Average Retail.

Sources (2)

All captured Oct 6, 2026

New Vehicle

Previously untitled auto or truck; less than 10K miles; 90% financing or 100% with GAP insurance; maximum $120,000. Rates are APR based on creditworthiness and term; subject to change and not guaranteed. Minimum $1,000 advance. Subject to credit approval.

Terms	APR	Conditions
up to 36 months	3.00%	Credit score A 700 and up.
up to 48 months	3.50%	Credit score A 700 and up.
up to 60 months	4.00%	Credit score A 700 and up.
up to 72 months	4.50%	Credit score A 700 and up.
up to 84 months	5.00%	Credit score A 700 and up.
up to 36 months	3.50%	Credit score B 625-699.
up to 48 months	4.00%	Credit score B 625-699.
up to 60 months	4.50%	Credit score B 625-699.
up to 72 months	5.00%	Credit score B 625-699.
up to 84 months	5.50%	Credit score B 625-699.
up to 36 months	4.25%	Credit score C 550-624.
up to 48 months	4.75%	Credit score C 550-624.
up to 60 months	5.25%	Credit score C 550-624.
up to 72 months	5.75%	Credit score C 550-624.
up to 84 months	6.25%	Credit score C 550-624.
up to 36 months	4.75%	Credit score D below 550.
up to 48 months	5.25%	Credit score D below 550.
up to 60 months	5.75%	Credit score D below 550.
up to 72 months	6.25%	Credit score D below 550.
up to 84 months	6.75%	Credit score D below 550.

Sources (1)

chicagofirefighterscu.com/loan-rates · captured Sep 17, 2026

Used Vehicle

Used auto or truck. Age of vehicle plus term cannot exceed 10 years. Black Book average retail up to $100,000 max. Antiques at least 20 years old financed at 100% of certified appraisal amount. Rates are APR based on creditworthiness and term; subject to change and not guaranteed. Minimum $1,000 advance. Subject to credit approval.

Terms	APR	Conditions
up to 36 months	3.50%	Credit score A 700 and up. Age of vehicle plus term cannot exceed 10 years.
up to 48 months	4.00%	Credit score A 700 and up. Age of vehicle plus term cannot exceed 10 years.
up to 60 months	4.50%	Credit score A 700 and up. Age of vehicle plus term cannot exceed 10 years.
up to 72 months	5.00%	Credit score A 700 and up. Age of vehicle plus term cannot exceed 10 years.
up to 84 months	5.50%	Credit score A 700 and up. Age of vehicle plus term cannot exceed 10 years.
up to 36 months	4.00%	Credit score B 625-699. Age of vehicle plus term cannot exceed 10 years.
up to 48 months	4.50%	Credit score B 625-699. Age of vehicle plus term cannot exceed 10 years.
up to 60 months	5.00%	Credit score B 625-699. Age of vehicle plus term cannot exceed 10 years.
up to 72 months	5.50%	Credit score B 625-699. Age of vehicle plus term cannot exceed 10 years.
up to 84 months	6.00%	Credit score B 625-699. Age of vehicle plus term cannot exceed 10 years.
up to 36 months	4.75%	Credit score C 550-624. Age of vehicle plus term cannot exceed 10 years.
up to 48 months	5.25%	Credit score C 550-624. Age of vehicle plus term cannot exceed 10 years.
up to 60 months	5.75%	Credit score C 550-624. Age of vehicle plus term cannot exceed 10 years.
up to 72 months	6.25%	Credit score C 550-624. Age of vehicle plus term cannot exceed 10 years.
up to 84 months	6.75%	Credit score C 550-624. Age of vehicle plus term cannot exceed 10 years.
up to 36 months	5.25%	Credit score D below 550. Age of vehicle plus term cannot exceed 10 years.
up to 48 months	5.75%	Credit score D below 550. Age of vehicle plus term cannot exceed 10 years.
up to 60 months	6.25%	Credit score D below 550. Age of vehicle plus term cannot exceed 10 years.
up to 72 months	6.75%	Credit score D below 550. Age of vehicle plus term cannot exceed 10 years.
up to 84 months	7.25%	Credit score D below 550. Age of vehicle plus term cannot exceed 10 years.

Sources (1)

chicagofirefighterscu.com/loan-rates · captured Sep 17, 2026

Who can join Chicago Firefighters Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

Membership is open to Chicago firefighters.

Family and household

Credit union membership is open to immediate family of members, including spouses, children, grandchildren, parents, and grandparents.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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