Credit union · Privately insured
IH Credit Union Auto Loan Rates
IH Credit Union auto loans start at 5.49% APR for a new vehicle and 6.09% for a used one. Rates checked October 16, 2026.
How IH Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, OH, where IH Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IH Credit Union
5.49%APR
- Terms
- up to 63 months
- Up to
- —
Car Loans
Lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
2nd-lowest rate
Pathways Financial Credit Union
5.24%APR
- Terms
- up to 85 months
- Up to
- —
IH Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed6.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IH 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.
Car Loans
New, used, or refinancing from another lender. Actual rate and payment amount reflect individual circumstance and credit score. Loan special rates exclude refinancing of IH Credit Union loans (new money only).
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.49% | As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
| up to 75 months | 6.99% | As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
| up to 84 months | 7.49% | As low as rate for New & Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
| up to 63 months | 6.09% | As low as rate for Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
| up to 75 months | 7.59% | As low as rate for Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
| up to 84 months | 8.09% | As low as rate for Used Vehicles. Actual rate and payment amount reflect credit score and circumstance. Excludes refinancing of IH Credit Union loans. |
Sources (1)
- ihcreditunion.com/loans · captured Oct 6, 2026
Who can join IH Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery, or Union County, Ohio qualifies for membership.
Employers and groups
- Residents of Ohio, Michigan, or West Virginia who do not qualify through the eight Ohio counties can qualify for membership by joining the American Consumer Council (ACC).
Membership information collected October 5, 2026.