Credit union · Privately insured
Earthmover Credit Union Auto Loan Rates
Earthmover Credit Union auto loans start at 4.89% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How Earthmover Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Earthmover Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Earthmover Credit Union
4.89%APR
- Terms
- 49–60 months
- Up to
- 14.29% APR
- Discount
- None included
New Vehicles- 2026 & 2025 model years less than 10000 miles Includes auto, truck, recreation vehicles, motorcycles (less than 1,000 miles)
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Earthmover Credit Union auto loan score
81
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 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.
All Other Secured (2019 & Older, CPI Vehicles, ATV’s, dirt bikes, jet skis)
Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Rate depends upon credit qualifications and approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 9.09%–18.24% | — |
| 25–36 months | 9.59%–18.84% | — |
| 37–48 months | 10.09%–19.24% | — |
Sources (1)
- earthmovercu.com/borrow/personal-loans/loan-rates · captured Oct 6, 2026
New Vehicle Loans
Available for new and used vehicles (cars, trucks and recreational vehicles). Proof of address and verification of employment are required. Maximum rate for an auto loan is 19.24% APR. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Up to 150% financing is available in the U.S. for qualified applicants. 90 days of no payment available (interest will accrue during this period).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.74% | Rates as low as 3.74% APR. Rate is determined by credit score, loan term, and vehicle model year. 90 days of no payment. |
Sources (1)
- earthmovercu.com/borrow/personal-loans/vehicle-loans · captured Oct 6, 2026
New Vehicles- 2026 & 2025 model years less than 10000 miles Includes auto, truck, recreation vehicles, motorcycles (less than 1,000 miles)
Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Rate depends upon credit qualifications and approval. **Loan amount must exceed $15,000 ***Loan amount must exceed $25,000
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.74%–13.64% | — |
| 25–36 months | 4.04%–14.04% | — |
| 37–48 months | 4.39%–14.29% | — |
| 49–60 months | 4.89%–14.29% | — |
| 61–72 months | 5.19%–12.89% | Loan amount must exceed $15,000 |
| 73–84 months | 5.94%–6.74% | Loan amount must exceed $25,000 |
Sources (1)
- earthmovercu.com/borrow/personal-loans/loan-rates · captured Oct 6, 2026
Used Vehicles (2025, 2024, 2023, 2022, 2021, 2020) Includes auto, truck, recreation vehicles, motorcycles
Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Rate depends upon credit qualifications and approval. Model years older than 2020 valued $15,000+ using the lesser of the purchase price or JD Power clean retail value may be eligible for Used Vehicle rates; vehicles valued less than $7,500 will be subject to Unsecured rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–15.04% | — |
| 25–36 months | 4.44%–15.44% | — |
| 37–48 months | 5.04%–15.94% | — |
| 49–60 months | 5.54%–15.94% | — |
| 61–72 months | 5.84%–14.44% | — |
Sources (1)
- earthmovercu.com/borrow/personal-loans/loan-rates · captured Oct 6, 2026
Who can join Earthmover Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.