Credit union · NCUA insured
Education Personnel Federal Credit Union Auto Loan Rates
Top CarrotEducation Personnel Federal Credit Union auto loans start at 3.89% APR for a new vehicle and 3.89% for a used one. Rates checked October 16, 2026.
How Education Personnel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Danville, IL, where Education Personnel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Education Personnel Federal Credit Union
3.89%APR
- Terms
- —
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
U of I Community Credit Union
3.75%APR
- Terms
- 49–63 months
- Discount
- Included in the rate
2nd-lowest rate
Landmark Credit Union
3.75%APR
- Terms
- up to 60 months
- Discount
- None included
Education Personnel Federal Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.89%
- Used vehicleUsed3.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Education Personnel Federal 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.
Vehicle Loans
No application fees or hidden charges. Loans available on cars, trucks, motorcycles, RVs, boats and more.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.89% | As low as 3.89% APR. Lowest available rate reflects all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. Rates are subject to change without notice. |
Who can join Education Personnel Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Danville Area Community College is in EPFCU's field of membership.
- Retirees from the field of membership are eligible for membership.
- Employees of public, private and parochial schools in Vermilion County, Illinois are eligible for membership.
Family and household
- Relatives of members are eligible for membership.
Membership information collected October 5, 2026.