Credit union · NCUA insured
Credit Union 1 Auto Loan Rates
Top CarrotCredit Union 1 auto loans start at 4.39% APR for a new vehicle and 5.40% for a used one. Rates checked October 16, 2026.
How Credit Union 1’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Credit Union 1 has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union 1
4.39%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
Credit Union 1 auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed5.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union 1 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 Cash Out Refinance Loan
Vehicle must be 10 years old or newer with a maximum of 125,000 miles at the time of loan origination, the vehicle must be in your name, and you must be able to provide the original title. Does not apply to the refinancing of existing Credit Union 1 loans, or for the purchase of a vehicle. Maximum LTV of 80%. $124 Processing Fee on all auto loans.
| Terms | APR | Conditions |
|---|---|---|
| 36–60 months | 3.99%–14.74% | Floor rate of 3.74% (3.99% APR), rates may range up to 14.74% APR depending on model year and credit score. Minimum 36-month term with a maximum 60-month term. Minimum loan amount of $5,000. Rate discounts are available to qualified borrowers. |
Sources (1)
- creditunion1.org/borrow/auto-loans · captured Oct 16, 2026
Auto Loan
Minimum loan amount: $5,000. Minimum term: 36 months. Processing fee: $124. Relationship discount of 0.25% applies when automatic payments are established from a CU1 account and member is enrolled in eStatements; if either condition is not met, the rate increases by 0.25%. Floor rate: 3.74% (3.99% APR). Loans subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 48 months | 4.18% | Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 60 months | 4.39% | Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 72 months | 4.87% | Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 84 months | 5.35% | Model year: New Auto 2025 & Newer. Loan terms of 73-84 months require a minimum loan amount of $15,000. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 36 months | 4.99% | Model year: 2023 - 2024. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 48 months | 5.18% | Model year: 2023 - 2024. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 60 months | 5.40% | Model year: 2023 - 2024. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 72 months | 5.87% | Model year: 2023 - 2024. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 84 months | 6.36% | Model year: 2023 - 2024. Loan terms of 73-84 months require a minimum loan amount of $15,000. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 36 months | 5.99% | Model year: 2020 - 2022. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 48 months | 6.18% | Model year: 2020 - 2022. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 60 months | 6.40% | Model year: 2020 - 2022. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 72 months | 6.62% | Model year: 2020 - 2022. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 84 months | 6.86% | Model year: 2020 - 2022. Loan terms of 73-84 months require a minimum loan amount of $15,000. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 36 months | 6.24% | Model year: 2015 - 2019. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 48 months | 6.43% | Model year: 2015 - 2019. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 60 months | 6.65% | Model year: 2015 - 2019. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 72 months | 6.87% | Model year: 2015 - 2019. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 36 months | 7.24% | Model year: 2014 & Older. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 48 months | 7.69% | Model year: 2014 & Older. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
| up to 60 months | 8.15% | Model year: 2014 & Older. Rates shown include a 0.25% Relationship Discount for qualified borrowers. |
Sources (1)
- creditunion1.org/rates · captured Oct 16, 2026
Motorcycles
Recreational vehicle loans have a minimum loan amount of $5,000, a minimum term of 36 months, and a floor rate of 7.99% rate (8.08% APR). Minimum loan amount of $30,000 for 84-month terms. Processing fee of $124; UCC filing fees are $40, when applicable. Membership required. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.16% | Model Year: 2026 & Newer. Term up to 84 Months. Minimum loan amount of $30,000 for 84-month terms. |
| up to 84 months | 9.16% | Model Year: 2017 - 2025. Term up to 84 Months. Minimum loan amount of $30,000 for 84-month terms. |
Sources (1)
- creditunion1.org/rates · captured Oct 16, 2026
Who can join Credit Union 1
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not otherwise eligible can qualify for membership by making a $5 donation to the Credit Union 1 Educational Development Association (CU1EDA).
Cost to join
- An initial account deposit of $5 is required.
- A $5 donation to the Credit Union 1 Educational Development Association (CU1EDA) is required when joining via CU1EDA.
- A one-time $5 membership fee is required.
Membership information collected October 5, 2026.