Credit union · Privately insured
CommonWealth Credit Union Auto Loan Rates
CommonWealth Credit Union auto loans start at 5.29% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How CommonWealth Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kankakee, IL, where CommonWealth Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CommonWealth Credit Union
5.29%APR
- Terms
- up to 60 months
New Auto (2026-2025)
Lowest rate
Riverside Community Credit Union
4.00%APR
- Terms
- up to 60 months
2nd-lowest rate
Fieldstone Credit Union
4.50%APR
- Terms
- —
CommonWealth Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommonWealth 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.
Auto Loan Specials
Rates effective as of 10/1/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | — |
| up to 84 months | 5.99% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Oct 6, 2026
Auto Loans Special Offer
Minimum loan amount of $20,000. Vehicle must be 2022 or newer. No vehicles with over 60,000 miles. Current CWCU loans are not eligible. Offer ends 12-31-2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Payments on a loan with a 72 month term at 4.99% APR is $18.87 per $1,000 borrowed. Vehicle must be 2022 or newer with no over 60,000 miles. Current CWCU loans are not eligible. Offer ends 12-31-2026. |
| up to 84 months | 5.99% | Payments on a loan with a 84 month term at 5.99% APR is $14.61 per $1,000 borrowed. Vehicle must be 2022 or newer with no over 60,000 miles. Current CWCU loans are not eligible. Offer ends 12-31-2026. |
Sources (1)
- cwcu.com/loans/auto_loans · captured Oct 6, 2026
New Auto (2026-2025)
Additional terms of 66, 75, 78 months available. Rates are based on credit score. Ask about 0.50% rate discount for auto payment from a CWCU account with regular deposits (50% or more of payroll/direct deposit) or 0.25% rate discount for auto payment from non-CWCU account or CWCU accounts without regular deposits. Vehicles with 100k miles or more add 2% to rate. Does not include refinancing current CWCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.79% | — |
| up to 72 months | 5.79% | — |
| up to 60 months | 5.29% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Sep 17, 2026
New Autos
Additional terms of 66, 75, 78 months available. Call for rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.79% | — |
| up to 72 months | 5.79% | — |
| up to 60 months | 5.29% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Oct 6, 2026
Used Auto (2015-2005)
Rate and term based on credit score, mileage & age of vehicle. Ask about 0.50% rate discount for auto payment from a CWCU account with regular deposits (50% or more of payroll/direct deposit) or 0.25% rate discount for auto payment from non-CWCU account or CWCU accounts without regular deposits. Vehicles with 100k miles or more add 2% to rate. Does not include refinancing current CWCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 9.25% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Sep 17, 2026
Used Auto (2019 - 2016)
Rates are based on credit score. Ask about 0.50% rate discount for auto payment from a CWCU account with regular deposits (50% or more of payroll/direct deposit) or 0.25% rate discount for auto payment from non-CWCU account or CWCU accounts without regular deposits. Vehicles with 100k miles or more add 2% to rate. Does not include refinancing current CWCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.59% | — |
| up to 60 months | 6.99% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Sep 17, 2026
Used Auto (2025-2020)
Additional terms of 66, 75, 78 months available. Rates are based on credit score. Ask about 0.50% rate discount for auto payment from a CWCU account with regular deposits (50% or more of payroll/direct deposit) or 0.25% rate discount for auto payment from non-CWCU account or CWCU accounts without regular deposits. Vehicles with 100k miles or more add 2% to rate. Does not include refinancing current CWCU auto loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | — |
| up to 72 months | 5.99% | — |
| up to 60 months | 5.49% | — |
Sources (1)
- cwcu.com/rates/loan-rates · captured Sep 17, 2026
Who can join CommonWealth Credit Union
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