Credit union · NCUA insured
HealthCare Associates Credit Union Auto Loan Rates
HealthCare Associates Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How HealthCare Associates Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where HealthCare Associates Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
HealthCare Associates Credit Union
5.25%APR
- Terms
- up to 72 months
- Discount
- None included
BuyersChoice Auto Loan Program
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
HealthCare Associates Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HealthCare Associates 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 Loans (Everyday Auto Loan)
Applies to new, used, and refinanced vehicle loans. Flexible terms up to 84 months available. Up to 100% financing. Optional 90-day payment deferral. 0.25% member loyalty discount for members who had an auto loan with HACU within the past year. Not valid on existing HACU loans. Subject to credit qualifications and collateral value.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25% | Model years 2024–2026 (or 2021 and newer). Promotional rate requires application submitted between 06/01/2026 and 10/31/2026, and loan booked within 30 days of pre-approval. |
Sources (2)
All captured Oct 6, 2026
BuyersChoice Auto Loan Program
Simple interest loan program with lower monthly payments and options at loan maturity (payoff, refinance, sell, trade-in, or return vehicle). Loan terms up to 72 months. Fees at maturity include $195 disposition fee and potential excess mileage fee ($0.10/mile). Subject to credit qualifications and collateral value.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25% | Model years 2024–2026. |
| up to 72 months | 6.05% | Model years 2021–2023. |
Sources (2)
All captured Oct 6, 2026
Who can join HealthCare Associates 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 anyone who resides or works in the defined Des Plaines Area community charter.
- Membership is open to anyone who resides or works in the defined DuPage County community charter area.
- Membership is open to anyone who resides or works in the defined Oak Lawn Area community charter.
Employers and groups
- Membership is open to individuals who work for or belong to an eligible healthcare association.
Family and household
- Membership is open to individuals who have an immediate family or household member who is a current member.
Other ways
- Membership is open to individuals who make a donation to Credit Unions for Kids (CU4Kids).
Membership information collected October 5, 2026.