Credit union · NCUA insured
CTA 74th Street Depot Auto Loan Rates
CTA 74th Street Depot auto loans start at 3.25% APR for a new vehicle and 3.50% for a used one. Rates checked October 16, 2026.
How CTA 74th Street Depot’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where CTA 74th Street Depot has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CTA 74th Street Depot
3.25%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
CTA 74th Street Depot auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.25%
- Used vehicleUsed3.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CTA 74th Street Depot 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.
New Auto Loan
Rate is based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.50% | Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up. |
| up to 48 months | 3.00% | Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up. |
| up to 60 months | 3.25% | Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up. |
| up to 72 months | 3.45% | Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up. |
| — | 0.00% | S/P rate. Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up. |
| up to 36 months | 3.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $50,000. |
| up to 48 months | 4.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $50,000. |
| up to 60 months | 5.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $50,000. |
| up to 72 months | 6.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $50,000. |
| — | 5.00% | S/P rate. Credit score: Tier B (625 - 699). Maximum loan amount: $50,000. |
| up to 36 months | 7.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $40,000. |
| up to 48 months | 8.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $40,000. |
| up to 60 months | 9.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $40,000. |
| up to 72 months | 10.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $40,000. |
| — | 5.00% | S/P rate. Credit score: Tier C (550 - 624). Maximum loan amount: $40,000. |
| up to 36 months | 11.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $30,000. |
| up to 48 months | 12.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $30,000. |
| up to 60 months | 13.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $30,000. |
| — | 10.00% | S/P rate. Credit score: Tier D (500 - 549). Maximum loan amount: $30,000. |
Sources (1)
- 74thstdfcu.com/rates · captured Oct 7, 2026
Used Auto Loan
Rate is based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.75% | Credit score: Tier A (700 and Up). Maximum loan amount: $50,000 and Up. |
| up to 48 months | 3.25% | Credit score: Tier A (700 and Up). Maximum loan amount: $50,000 and Up. |
| up to 60 months | 3.50% | Credit score: Tier A (700 and Up). Maximum loan amount: $50,000 and Up. |
| up to 72 months | 4.00% | Credit score: Tier A (700 and Up). Maximum loan amount: $50,000 and Up. |
| — | 0.00% | S/P rate. Credit score: Tier A (700 and Up). Maximum loan amount: $50,000 and Up. |
| up to 36 months | 4.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $45,000. |
| up to 48 months | 5.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $45,000. |
| up to 60 months | 6.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $45,000. |
| up to 72 months | 7.00% | Credit score: Tier B (625 - 699). Maximum loan amount: $45,000. |
| — | 5.00% | S/P rate. Credit score: Tier B (625 - 699). Maximum loan amount: $45,000. |
| up to 36 months | 7.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $35,000. |
| up to 48 months | 8.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $35,000. |
| up to 60 months | 9.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $35,000. |
| up to 72 months | 10.00% | Credit score: Tier C (550 - 624). Maximum loan amount: $35,000. |
| — | 5.00% | S/P rate. Credit score: Tier C (550 - 624). Maximum loan amount: $35,000. |
| up to 36 months | 11.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $25,000. |
| up to 48 months | 12.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $25,000. |
| up to 60 months | 13.00% | Credit score: Tier D (500 - 549). Maximum loan amount: $25,000. |
| — | 10.00% | S/P rate. Credit score: Tier D (500 - 549). Maximum loan amount: $25,000. |
Sources (1)
- 74thstdfcu.com/rates · captured Oct 7, 2026
Who can join CTA 74th Street Depot
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- CTA employees (Bus/Bus maintenance, Rail/Rail maintenance, G.O.) are eligible for membership.
Family and household
- Families of CTA employees are eligible for membership.
Membership information collected October 5, 2026.