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Credit union · NCUA insured

ELCA Federal Credit Union Auto Loan Rates

ELCA Federal Credit Union auto loans start at 4.89% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.

How ELCA Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Chicago, IL-IN, where ELCA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    ELCA Federal Credit Union

    4.89%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    Ministry New Auto Loan

  • Top Carrot, Carrot Score 94

    Lowest rate

    Rock Valley Credit Union

    3.49%APR

    Terms
    —
    Discount
    None included

    Rock Valley Credit Union rates

  • 2nd-lowest rate

    PSFCU

    3.50%APR

    Terms
    up to 60 months
    Discount
    Included in the rate

    PSFCU rates

Compare auto loan rates near you →

ELCA Federal Credit Union auto loan score

77

Auto loan score

Higher than 43% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.89%
  • Used vehicleUsed5.39%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where ELCA 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.

Who can join ELCA Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Membership is open to employees, students, volunteers, clients, and other participants of ELCA-affiliated organizations.
  • Membership is open to members and participants of ELCA congregations who worship, volunteer, or otherwise participate in ministry at any ELCA congregation.
  • Membership is open to all ELCA congregations.
  • Membership is open to ELCA ministries and ELCA-affiliated organizations.
  • Membership is open to congregations and organizations of the United Church of Christ.
  • Membership is open to members and participants of UCC congregations and organizations who worship, volunteer, donate, or otherwise participate in ministry at any congregation or organization of the United Church of Christ.
2 more ways to join

Employers and groups

  • Membership is extended to Workplace Banking partners.

Family and household

  • Membership is open to immediate family members of current ELCA FCU members.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← ELCA Federal Credit Union overview