IH Mississippi Valley Credit Union Auto Loan Rates · October 2026

How IH Mississippi Valley Credit Union’s auto loan rates compare

Compared with banks and credit unions near Davenport, IA-IL, where IH Mississippi Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
IH Mississippi Valley Credit Union
4.89%APR
Terms
up to 60 months
Discount
None included
2024 or Newer Auto Loan
Lowest rate
Gas & Electric Credit Union
4.40%APR
Terms
up to 72 months
Discount
Included in the rate
Gas & Electric Credit Union rates
2nd-lowest rate
Moline Municipal Credit Union
4.40%APR
Terms
up to 60 months
Discount
None included
Moline Municipal Credit Union rates

Compare auto loan rates near you →

86

Auto loan score

Higher than 73% of U.S. banks and credit unions

By vehicle

New vehicleNew4.89%
Used vehicleUsed4.89%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where IH Mississippi 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.

2019 & Older Auto Loan

All loan rates are based on A+ credit rating. Rates subject to credit approval, and are subject to change. LTV 120% or lower of the JD Power Retail Value. Other rates and terms available.

Terms	APR	Conditions
up to 36 months	7.49%	36 mos or less. Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 54 months	7.99%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.

Sources (1)

ihmvcu.org/misc/rates · captured Oct 6, 2026

2020-2021 Auto Loan

All loan rates are based on A+ credit rating. Rates subject to credit approval, and are subject to change. LTV 120% or lower of the JD Power Retail Value. Other rates and terms available.

Terms	APR	Conditions
up to 48 months	5.49%	48 mos or less. Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 60 months	5.99%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 72 months	6.19%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.

Sources (1)

ihmvcu.org/misc/rates · captured Oct 6, 2026

2022 Auto Loan

All loan rates are based on A+ credit rating. Rates subject to credit approval, and are subject to change. LTV 120% or lower of the JD Power Retail Value. Other rates and terms available.

Terms	APR	Conditions
up to 54 months	5.49%	54 mos or less. Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 60 months	5.69%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 72 months	5.69%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 84 months	5.99%	Min. loan amount is $20,000. LTV 120% or lower of the JD Power Retail Value. Rates based on A+ credit rating, subject to credit approval.

Sources (1)

ihmvcu.org/misc/rates · captured Oct 6, 2026

2023 Auto Loan

All loan rates are based on A+ credit rating. Rates subject to credit approval, and are subject to change. LTV 120% or lower of the JD Power Retail Value. Other rates and terms available.

Terms	APR	Conditions
up to 54 months	5.39%	54 mos or less. Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 60 months	5.39%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 72 months	5.49%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 84 months	5.89%	Min. loan amount is $20,000. LTV 120% or lower of the JD Power Retail Value. Rates based on A+ credit rating, subject to credit approval.

Sources (1)

ihmvcu.org/misc/rates · captured Oct 6, 2026

2024 or Newer Auto Loan

All loan rates are based on A+ credit rating. Rates subject to credit approval, and are subject to change. LTV 120% or lower of the JD Power Retail Value. Other rates and terms available.

Terms	APR	Conditions
up to 54 months	4.79%	54 mos or less. Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 60 months	4.89%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 72 months	4.99%	Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
up to 84 months	5.24%	Min. loan amount is $20,000. LTV 120% or lower of the JD Power Retail Value. Rates based on A+ credit rating, subject to credit approval.

Sources (1)

ihmvcu.org/misc/rates · captured Oct 6, 2026

Who can join IH Mississippi 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 any person living or working in the 49-county service area across Illinois and Iowa.

Family and household

Membership is open to families of persons living or working in the 49-county service area.

Other ways

Individuals who live or work in Iowa or Illinois outside the 49-county service area can become eligible by making a $10 donation to the Dream Education Foundation (DEF).

Cost to join

A $10 donation to the Dream Education Foundation (DEF) is required for the out-of-service-area Iowa/Illinois membership route.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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