Bank · FDIC insured
Eureka Savings Bank Auto Loan Rates
Eureka Savings Bank auto loans start at 7.28% APR for a new vehicle and 7.28% for a used one. Rates checked October 16, 2026.
How Eureka Savings Bank’s auto loan rates compare
Compared with banks and credit unions near Ottawa, IL, where Eureka Savings Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Eureka Savings Bank
7.28%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Eureka Savings Bank auto loan score
61
Auto loan score
Higher than 4% of U.S. banks and credit unions
- New vehicleNew7.28%
- Used vehicleUsed7.28%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Eureka Savings Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Financing available for both new and used vehicles, including older vehicles. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.03% | Vehicle Year: 2024-New. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $30.59. Subject to credit approval. |
| up to 48 months | 7.12% | Vehicle Year: 2024-New. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $23.78. Subject to credit approval. |
| up to 60 months | 7.28% | Vehicle Year: 2024-New. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $19.74. Subject to credit approval. |
| up to 36 months | 8.03% | Vehicle Year: 2021-2023. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $31.05. Subject to credit approval. |
| up to 48 months | 8.13% | Vehicle Year: 2021-2023. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $24.24. Subject to credit approval. |
| up to 60 months | 8.29% | Vehicle Year: 2021-2023. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $20.22. Subject to credit approval. |
| up to 36 months | 9.03% | Vehicle Year: 2019-2020. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $31.51. Subject to credit approval. |
| up to 48 months | 9.13% | Vehicle Year: 2019-2020. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $24.71. Subject to credit approval. |
| up to 24 months | 10.84% | Vehicle Year: 2018 & Older. Loans for vehicles that are 8 years or older will only be considered for current Eureka customers. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $46.09. Subject to credit approval. |
| up to 36 months | 11.55% | Vehicle Year: 2018 & Older. Loans for vehicles that are 8 years or older will only be considered for current Eureka customers. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $32.68. Subject to credit approval. |
Sources (2)
All captured Oct 16, 2026
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