Credit union · Privately insured
CPOECU Auto Loan Rates
CPOECU auto loans start at 4.90% APR for a new vehicle and 5.90% for a used one. Rates checked October 16, 2026.
How CPOECU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where CPOECU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CPOECU
4.90%APR
- Terms
- up to 60 months
- Discount
- None included
New 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
CPOECU auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed5.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CPOECU 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 Refinance
Refinance both new and used autos. Existing CPOECU loans not eligible for refinance. All rates and limits based on creditworthiness and lending criteria. New Auto defined as Years 2021 and above; Used Auto defined as Years 2014-2020 (Cars, Vans, Pick-Up Trucks). Loans under $10K have a maximum term of 60 months. Beat the Competitor Promotion beats verified competitor rate by 1.0% down to a floor of 1.90%. Additional rate discounts available for adding GAP Insurance (-0.25%), NET Payroll deposited into Savings and Checking (-0.25%), Loan Protection (-0.25%), and Mechanical Repair Coverage (-0.25%), up to 2.00% total potential savings (not to exceed 1.90% floor).
| Terms | APR | Conditions |
|---|---|---|
| — | 1.90% | Refinance for new autos. Rate as low as. |
| — | 2.90% | Refinance for used autos. Rate as low as. |
Sources (2)
- cpoecu.com/member-resources/auto-buying-center
- cpoecu.com/member-resources/auto-buying-center/refinance
All captured Oct 16, 2026
New Auto Loan
Rates as low as APR; based on creditworthiness. New vehicle must not be previously titled or be a 2021-2022 model year with <10k miles. Loans under $10,000 have a maximum term of 60 months. Additional 0.25% rate discounts available for adding GAP Insurance, NET Payroll deposit, Loan Protection, or Mechanical Repair Coverage; total discounts up to 2.00% off the stated rate (not to exceed 1.9%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.90% | — |
| up to 48 months | 3.90% | — |
| up to 60 months | 4.90% | — |
| up to 72 months | 5.90% | — |
| up to 84 months | 6.90% | — |
Sources (1)
- cpoecu.com/member-resources/au…g-center/auto-loan-rates · captured Oct 16, 2026
Used Auto Loan
Rates as low as APR; based on creditworthiness. Used vehicle years 2017-2023 (Cars, Vans, Pick-Up Trucks). Loans under $10,000 have a maximum term of 60 months. Additional 0.25% rate discounts available for adding GAP Insurance, NET Payroll deposit, Loan Protection, or Mechanical Repair Coverage; total discounts up to 2.00% off the stated rate (not to exceed 1.9%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.90% | — |
| up to 48 months | 4.90% | — |
| up to 60 months | 5.90% | — |
| up to 72 months | 6.90% | — |
Sources (1)
- cpoecu.com/member-resources/au…g-center/auto-loan-rates · captured Oct 16, 2026
Who can join CPOECU
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 any active or retired employee of the Chicago Postal Service.
Family and household
- Membership is open to immediate family members (spouse, child or parents) of active or retired employees of the Chicago Postal Service.
Cost to join
- Membership requires a $25 share deposit into a Savings account that remains in the account for the duration of membership.
Membership information collected October 5, 2026.