Credit union · NCUA insured
Decatur Earthmover Credit Union Auto Loan Rates
Top CarrotDecatur Earthmover Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How Decatur Earthmover Credit Union’s auto loan rates compare
Compared with banks and credit unions near Decatur, IL, where Decatur Earthmover Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Decatur Earthmover Credit Union
4.75%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
United Equity Credit Union
4.50%APR
- Terms
- up to 60 months
2nd-lowest rate
Staley Credit Union
4.50%APR
- Terms
- up to 60 months
Decatur Earthmover Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Decatur Earthmover 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
DECU membership is limited to qualifying individuals in Central Illinois. Vehicle year determines available terms and rates. Actual rate reflects individual circumstances. Motorcycle A-B loans have no rate bump; C-D loans have a 2% rate bump.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.65% | Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 4.65% | Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 4.75% | Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 5.00% | Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances. |
| up to 78 months | 6.00% | Vehicle Year 2025 and newer. $25K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 84 months | 6.10% | Vehicle Year 2025 and newer. $30K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 4.90% | Vehicle Year 2022-2024. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 4.95% | Vehicle Year 2022-2024. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 5.00% | Vehicle Year 2022-2024. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 5.20% | Vehicle Year 2022-2024. Lowest rate available; actual rate reflects individual circumstances. |
| up to 78 months | 6.25% | Vehicle Year 2022-2024. $25K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 84 months | 6.40% | Vehicle Year 2022-2024. $30K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 5.05% | Vehicle Year 2021. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 5.15% | Vehicle Year 2021. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 5.35% | Vehicle Year 2021. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 5.55% | Vehicle Year 2021. Lowest rate available; actual rate reflects individual circumstances. |
| up to 78 months | 6.55% | Vehicle Year 2021. $25K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 5.35% | Vehicle Year 2020. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 5.40% | Vehicle Year 2020. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 5.55% | Vehicle Year 2020. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 5.90% | Vehicle Year 2020. Lowest rate available; actual rate reflects individual circumstances. |
| up to 78 months | 6.75% | Vehicle Year 2020. $25K minimum loan amount. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 5.75% | Vehicle Year 2019. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 5.95% | Vehicle Year 2019. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 6.10% | Vehicle Year 2019. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 6.25% | Vehicle Year 2018. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 6.35% | Vehicle Year 2018. Lowest rate available; actual rate reflects individual circumstances. |
| up to 60 months | 6.50% | Vehicle Year 2018. Lowest rate available; actual rate reflects individual circumstances. |
| up to 72 months | 6.75% | Vehicle Year 2018. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 7.45% | Vehicle Year 2017 & Older. Lowest rate available; actual rate reflects individual circumstances. |
| up to 48 months | 7.55% | Vehicle Year 2017 & Older. Lowest rate available; actual rate reflects individual circumstances. |
| up to 36 months | 4.25% | Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances. Rates effective February 18th, 2026. |
| up to 36 months | 4.50% | Vehicle Year 2022-2024. Lowest rate available; actual rate reflects individual circumstances. Rates effective February 18th, 2026. |
| up to 36 months | 4.65% | Vehicle Year 2021. Lowest rate available; actual rate reflects individual circumstances. Rates effective February 18th, 2026. |
Who can join Decatur Earthmover Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.