Credit union · NCUA insured
Great Lakes Credit Union Auto Loan Rates
Great Lakes Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked September 25, 2026.
How Great Lakes Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Great Lakes Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Great Lakes Credit Union
3.99%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
New & Previous Model Year Auto Loan (2025 & 2026)
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Great Lakes Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Great Lakes 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 Refinancing
Actual rate based on credit history, income, vehicle model year, mileage and other factors. Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month.
| Terms | APR | Conditions |
|---|---|---|
| 64–75 months | 4.24% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
| 76–84 months | 4.74% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
Sources (3)
- glcu.org/borrow/vehicle-loans
- glcu.org/borrow/vehicle-loans/auto-refinance
- glcu.org/about-us/rates-fees/consumer-loan-rates
All captured Sep 25, 2026
New & Previous Model Year Auto Loan (2025 & 2026)
Actual rate based on credit history, income, vehicle model year, mileage and other factors. Rates include discount of 0.25% APR when setting up automatic payment to pay loan each month. Private parties, independent dealers, and borrowers financing from independent dealers must be located in IL, IN, or WI to be considered for financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 3.99% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
| 64–75 months | 4.24% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
| 76–84 months | 4.74% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
Sources (3)
- glcu.org/borrow/vehicle-loans
- glcu.org/borrow/vehicle-loans/auto-loans
- glcu.org/about-us/rates-fees/consumer-loan-rates
All captured Sep 25, 2026
Used Auto Loan (2016 - 2024)
Actual rate based on credit history, income, vehicle model year, mileage and other factors. Rates include discount of 0.25% APR when setting up automatic payment to pay loan each month. Private parties, independent dealers, and borrowers financing from independent dealers must be located in IL, IN, or WI to be considered for financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 3.99% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
| 64–75 months | 4.24% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
| 76–84 months | 4.74% | Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. |
Sources (3)
- glcu.org/borrow/vehicle-loans
- glcu.org/borrow/vehicle-loans/auto-loans
- glcu.org/about-us/rates-fees/consumer-loan-rates
All captured Sep 25, 2026
Who can join Great Lakes Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship within designated areas in Illinois, Indiana, or Wisconsin are eligible for membership.
Employers and groups
- Employees of Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Federal workers, active or veteran military personnel, and their families are eligible for membership.
Other ways
- Individuals who are not local can qualify for membership by donating to the GLCU Foundation for Financial Empowerment.
Cost to join
- It does not cost money to join GLCU.
- Joining requires a share savings account deposit of $1 or more.
Membership information collected October 5, 2026.