Credit union · NCUA insured
Consumers Credit Union Auto Loan Rates
Top CarrotConsumers Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Consumers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Consumers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Consumers Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
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
Consumers Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Consumers 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
Membership required (par value $5.00 share). Auto loans available for new and used vehicles, purchase and refinance. Lease buyouts and private party purchases are not allowed. Requires full insurance coverage with collision and comprehensive deductibles not to exceed $1,000. Stated rates assume automatic payment method. Rates can vary based on creditworthiness, CCU member discounts, collateral, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| up to 60 months | 4.99% | Model year 2023 to 2024. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| up to 60 months | 5.49% | Model year 2020 to 2022. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| up to 60 months | 8.49% | Model year 2019 and Older. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| up to 60 months | 5.99% | Model year 2020 to 2022. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| up to 60 months | 8.99% | Model year 2019 and Older. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 4.99% | Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 5.49% | Model year 2023 to 2024. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 5.99% | Model year 2020 to 2022. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 8.99% | Model year 2019 and Older. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 6.49% | Model year 2020 to 2022. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 61–72 months | 9.49% | Model year 2019 and Older. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 5.99% | Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 6.49% | Model year 2023 to 2024. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 6.99% | Model year 2020 to 2022. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 9.99% | Model year 2019 and Older. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 7.49% | Model year 2020 to 2022. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
| 73–84 months | 10.49% | Model year 2019 and Older. Without Auto Buying Service. Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors. |
Who can join Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join Consumers Credit Union by joining the Consumers Cooperative Association.
Cost to join
- Joining the Consumers Cooperative Association requires a one-time $5.00 membership fee, which CCU reimburses (reimbursement does not apply to indirect members and those who join to refinance a loan).
Membership information collected October 5, 2026.