Credit union · NCUA insured
Community Trust Credit Union Auto Loan Rates
Community Trust Credit Union auto loan rates start at 3.99% APR. Rates checked October 16, 2026.
How Community Trust Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community Trust Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Community Trust Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
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
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 Refinance Special
Applies to auto loans refinanced from another financial institution. Refinance auto loan for 1% less than your current interest rate subject to a minimum rate as low as 3.99% APR. No refinance fee. Borrow up to 120% LTV. Financing up to 84 months. Rate is based on term of loan, credit-worthiness of borrower and qualifying services. Must meet credit union guidelines. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Refinance auto loan for 1% less than your current interest rate from another financial institution, subject to minimum rate as low as 3.99% APR. No refinance fee. Financing up to 84 months; borrow up to 120% LTV. Rate based on term, creditworthiness, and qualifying services. |
Sources (1)
- ctcu.org/products/loan/auto-loans/refinance-special · captured Oct 7, 2026
Who can join Community Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin are eligible for membership.
Family and household
- Individuals who have a relative who is a CTCU member are eligible for membership.
Cost to join
- Opening a membership requires $5.00.
Membership information collected October 5, 2026.