Credit union · NCUA insured
Community Plus FCU Auto Loan Rates
Community Plus FCU auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Community Plus FCU’s auto loan rates compare
Compared with banks and credit unions near Champaign, IL, where Community Plus FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Plus FCU
3.99%APR
- Terms
- up to 60 months
- Discount
- None included
Car Loans
Lowest rate
Central Illinois Credit Union
3.50%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
U of I Community Credit Union
3.75%APR
- Terms
- 49–63 months
- Discount
- Included in the rate
Community Plus FCU auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Plus FCU 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
Persons who have had credit problems may be charged a higher interest rate. Rates based on credit history, vehicle model year/type (new vs used), and length of repayment.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | Model Year: 2021 & Newer. Sample payment of $19.09 per $1,000 financed. |
| up to 60 months | 6.25% | Model Year: 2016-2020. Sample payment of $19.76 per $1,000 financed. |
| up to 48 months | 8.49% | Model Year: 2007 - 2015. Sample payment of $31.57 per $1,000 financed. |
Sources (2)
All captured Oct 6, 2026
Motorcycle Loans
Persons who have had credit problems may be charged a higher interest rate. Schedule applies to Motorcycle & Lifestyle Loans (ATV, boat, trailers, campers and more).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model Year: 2021 and Newer. Sample payment of $19.30 per $1,000 financed. |
| up to 48 months | 6.99% | Model Year: 2016-2020. Sample payment of $24.19 per $1,000 financed. |
| up to 36 months | 9.25% | Model Year: 2015 & Older. Sample payment of $31.93 per $1,000 financed. |
Sources (2)
All captured Oct 6, 2026
Who can join Community Plus FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Champaign, Ford, or Piatt County.
Cost to join
- An initial deposit of $15 is required to open an account, with no application fee.
Membership information collected October 5, 2026.