Evergreen Park Schools Federal Credit Union Auto Loan Rates

How Evergreen Park Schools Federal Credit Union’s auto loan rates compare

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

This credit union’s lowest
Evergreen Park Schools Federal Credit Union
4.50%APR
Terms
up to 60 months
Up to
13.00% APR
Discount
None included
Vehicle Loans
Lowest rate
Rock Valley Credit Union
3.49%APR
Terms
—
Up to
—
Discount
None included
Rock Valley Credit Union rates
2nd-lowest rate
PSFCU
3.50%APR
Terms
up to 60 months
Up to
—
Discount
Included in the rate
PSFCU rates

Compare auto loan rates near you →

Auto loan score

Higher than 86% of U.S. banks and credit unions

By vehicle

New vehicleNew4.50%
Used vehicleUsed4.50%

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 Evergreen Park Schools 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 Loan Refinance

Refinance an existing vehicle loan from another financial institution. Does not apply to current EPSFCU vehicle loans. Additional 0.25% off qualifying interest rate with Payroll Deduction or ACH Debit. Rates start at 4.50%.

Terms	APR	Conditions
—	4.50%	Rates start at 4.50% apy (APR). Additional 0.25% off qualifying rate with Payroll Deduction or ACH Debit. Does not apply to current EPSFCU vehicle loans.

Sources (2)

All captured Oct 16, 2026

Vehicle Loans

Membership is open to employees of District 124, District 231, Aero Special Education and their immediate family members. EPSFCU must be named as lienholder on vehicle title and insurance, and must be in possession of title and copy of insurance declaration. Save 0.25% by paying through Payroll Deduction or ACH Auto Pay.

Terms	APR	Conditions
up to 60 months	4.50%–13.00%	Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 4.50%), 700-759 (A, 5.00%), 660-699 (B, 6.25%), 600-659 (C, 7.50%), 0-599 (D, 13.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 72 months	5.00%–14.00%	Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 5.00%), 700-759 (A, 5.25%), 660-699 (B, 6.50%), 600-659 (C, 7.75%), 0-599 (D, 14.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 84 months	5.75%–9.00%	Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 5.75%), 700-759 (A, 6.25%), 660-699 (B, 7.50%), 600-659 (C, 9.00%), 0-599 (D, N/A). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 48 months	5.25%–14.00%	Vehicle Year: 2024 – 2022. Credit tiers: 760+ (A+, 5.25%), 700-759 (A, 5.75%), 660-699 (B, 6.75%), 600-659 (C, 7.75%), 0-599 (D, 14.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 60 months	6.00%–15.00%	Vehicle Year: 2024 – 2022. Credit tiers: 760+ (A+, 6.00%), 700-759 (A, 6.50%), 660-699 (B, 7.50%), 600-659 (C, 8.50%), 0-599 (D, 15.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 72 months	6.50%–10.25%	Vehicle Year: 2024 – 2022. Purchase over $25,000. Credit tiers: 760+ (A+, 6.50%), 700-759 (A, 7.00%), 660-699 (B, 8.00%), 600-659 (C, 10.25%), 0-599 (D, N/A). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 84 months	7.00%–8.50%	Vehicle Year: 2024 – 2022. Purchase over $25,000. Credit tiers: 760+ (A+, 7.00%), 700-759 (A, 7.50%), 660-699 (B, 8.50%), 600-659 (C, N/A), 0-599 (D, N/A). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 36 months	6.00%–14.50%	Vehicle Year: 2021 – 2019. Credit tiers: 760+ (A+, 6.00%), 700-759 (A, 6.50%), 660-699 (B, 7.50%), 600-659 (C, 8.25%), 0-599 (D, 14.50%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 48 months	6.25%–15.25%	Vehicle Year: 2021 – 2019. Credit tiers: 760+ (A+, 6.25%), 700-759 (A, 7.00%), 660-699 (B, 7.75%), 600-659 (C, 8.75%), 0-599 (D, 15.25%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 60 months	6.50%–16.00%	Vehicle Year: 2021 – 2019. Credit tiers: 760+ (A+, 6.50%), 700-759 (A, 7.50%), 660-699 (B, 8.50%), 600-659 (C, 9.50%), 0-599 (D, 16.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 36 months	6.50%–15.00%	Vehicle Year: 2018 or Older. Credit tiers: 760+ (A+, 6.50%), 700-759 (A, 7.50%), 660-699 (B, 9.00%), 600-659 (C, 10.00%), 0-599 (D, 15.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
up to 48 months	7.50%–16.00%	Vehicle Year: 2018 or Older. Purchase over $25,000. Credit tiers: 760+ (A+, 7.50%), 700-759 (A, 8.50%), 660-699 (B, 9.50%), 600-659 (C, 10.50%), 0-599 (D, 16.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.

Sources (2)

All captured Oct 16, 2026

Who can join Evergreen Park Schools Federal Credit Union

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

Military, government and schools

Employees of A.E.R.O. Special Education Cooperative are eligible for membership.
Employees of Evergreen Park Elementary School District 124 are eligible for membership.
Employees of Evergreen Park Community High School District 231 are eligible for membership.

Family and household

Immediate family members of employees of District 124, District 231, or A.E.R.O. Special Education Cooperative are eligible to join.

Cost to join

Opening an account requires a minimum cash deposit of $5.00.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Evergreen Park Schools Federal Credit Union overview