Credit union · NCUA insured
Fox Valley Credit Union Auto Loan Rates
Top CarrotFox Valley Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Fox Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Fox Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fox Valley Credit Union
4.99%APR
- Terms
- —
- Up to
- 18.99% APR
- Discount
- None included
New Vehicle Loan
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Fox Valley Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fox Valley 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.
Auto Loan (Fall Rates Special)
Valid on New and Used Auto loans up to current loan limits to those who qualify that are approved under normal underwriting conditions. Other rates and terms available. APR may vary depending on each individual's credit history and underwriting factors. Offer excludes recreational vehicles and any other loan not listed. Offer is valid only on new loans to Fox Valley Credit Union; cannot be used to refinance an existing Fox Valley Credit Union loan.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.49% | Offers as low as 1.49% APR valid on New and Used Auto loans up to current loan limits to those who qualify that are approved under normal underwriting conditions. Other rates and terms available. Excludes recreational vehicles; cannot be used to refinance an existing FVCU loan. |
Sources (1)
- foxvalleycu.com/rates/fall-rates · captured Oct 6, 2026
New Vehicle Loan
All loans rates are risk-based, which means that the credit score determines the interest rate that members will pay. When applying, FVCU requires a copy of last 30 days pay stubs and/or previous year's W2s, and a copy of the dealer sheet. Loan applications are good for 60 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99%–18.99% | Base rates; risk-based pricing where credit score determines rate. |
Sources (1)
- foxvalleycu.com/loans/vehicle-loans · captured Oct 6, 2026
Used Vehicle Loan
All loans rates are risk-based, which means that the credit score determines the interest rate that members will pay. When applying, FVCU requires a copy of last 30 days pay stubs and/or previous year's W2s, and a copy of the dealer sheet. Loan applications are good for 60 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99%–22.99% | Base rates; risk-based pricing where credit score determines rate. |
Sources (1)
- foxvalleycu.com/loans/vehicle-loans · captured Oct 6, 2026
Who can join Fox Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Aurora, Montgomery, or Kendall County.
Employers and groups
- Membership is open to employees of several Select Employer Groups (SEGs), including Burlington Northern Santa-Fe Railway and The Dial Corporation (and their affiliates).
Family and household
- Family members (defined as mother, father, brother, sister, children) of members can join even if living outside the area.
Cost to join
- An initial and minimum share deposit into a savings account is required for membership.
Membership information collected October 5, 2026.