Credit union · NCUA insured
IAA Credit Union Auto Loan Rates
Top CarrotIAA Credit Union auto loans start at 4.85% APR for a new vehicle and 4.85% for a used one. Rates checked October 16, 2026.
How IAA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IL, where IAA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IAA Credit Union
4.85%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Bloomington Municipal Credit Union
3.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Credit Union For All
3.32%APR
- Terms
- up to 60 months
- Discount
- None included
IAA Credit Union auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.85%
- Used vehicleUsed4.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IAA 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
Advertised rates are for well-qualified borrowers and include discounts for platinum checking and automatic payment 100.00% LTV or less. Advertised rate for model years 2026 and newer are based off a 66 month term and top tier credit qualifications. Advertised rate and payment per $1000 for model years 2025 and older are based off a 60 month term and top tier credit qualifications. Longer terms are available on model years 2024 and newer when financing at least $50,000. Actual rate will be based off Applicant/s' credit score, loan and payment terms, and collateral year and loan to value.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.85% | 2026 & Newer; 66 months; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. |
| up to 72 months | 5.10% | 2026 & Newer; 72 months; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. |
| up to 66 months | 5.51% | 2025 Standard 66 month rate; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. |
| up to 60 months | 5.51% | 2024 Standard 60 month rate; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. Longer terms available on model years 2024 and newer when financing at least $50,000. |
| up to 60 months | 5.76% | 2023 Standard 60 month rate; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. |
| up to 60 months | 6.76% | 2022 and Older Standard 60 month rate; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less. |
Sources (3)
All captured Oct 16, 2026
Refinance Auto Loan
Finance up to 100% of a new car's purchase price (including tax and license) or up to 100% of a used car's NADA retail value. Negative equity financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.85% | Cars & Trucks 2023 & Newer; 60 Months. |
| up to 72 months | 5.10% | Cars & Trucks 2023 & Newer; 72 Months. |
Sources (2)
All captured Oct 16, 2026
Who can join IAA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Illinois Farm of Companies including Illinois Farm Bureau, COUNTRY Financial, GROWMARK, and Prairie Farms are eligible for membership.
- Illinois Farm Bureau County Members are eligible for membership.
- COUNTRY Financial Policyholders are eligible for membership.
- GROWMARK Patrons are eligible for membership.
- Retirees from any of the qualifying groups are eligible for membership.
Family and household
- Relatives of current members are eligible for membership.
Membership information collected October 5, 2026.