Credit union · NCUA insured
Eastern Indiana FCU Auto Loan Rates
Eastern Indiana FCU auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Eastern Indiana FCU’s auto loan rates compare
Compared with banks and credit unions near New Castle, IN, where Eastern Indiana FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Eastern Indiana FCU
5.74%APR
- Terms
- up to 60 months
New Auto Loan (2025-2026)
Lowest rate
Perfect Circle Credit Union
5.39%APR
- Terms
- up to 60 months
3rd-lowest rate
First Merchants Bank
6.49%APR
- Terms
- up to 60 months
Eastern Indiana FCU auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Eastern Indiana FCU 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 (2025-2026)
Vehicle includes cars, trucks, vans, and motorcycles. Rates are based on creditworthiness, term of loan, and subject to normal credit underwriting guidelines. Up to 120% financing available. No application, processing, or annual fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.74% | — |
| up to 84 months | 6.03% | FICO score must be 660 or higher, loan balance must be a minimum of $30,000 and collateral must be new. |
Used Auto Loan
Vehicle includes cars, trucks, vans, and motorcycles. Rates are based on creditworthiness, term of loan, and subject to normal credit underwriting guidelines. Up to 120% financing available. No application, processing, or annual fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74% | Model years 2022-2025 |
| up to 72 months | 6.00% | Model year 2021 |
| up to 72 months | 6.24% | Model year 2020 |
| up to 72 months | 6.84% | Model years 2017-2019 |
Who can join Eastern Indiana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or go to school in, or businesses and other legal entities in Henry, Hancock, Madison, or Delaware counties in Indiana are eligible for membership.
Employers and groups
- Employees of Eastern Indiana Federal Credit Union and organizations of such persons are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A deposit of one share ($5.00) into a savings account is required for membership.
Membership information collected October 5, 2026.