Credit union · NCUA insured
Illinois State Credit Union Auto Loan Rates
Top CarrotIllinois State Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Illinois State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IL, where Illinois State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
Vehicle 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
Illinois State Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Illinois State 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.
Vehicle Loans
Membership with Illinois State Credit Union is required. Rates are based on exceptional credit rating and LTV less than 110%; discounts applied. Individual circumstances may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.24% | Model year 2024 & Newer. |
| up to 60 months | 4.39% | Model year 2023 - 2022. |
| up to 60 months | 4.59% | Model year 2021. |
| up to 60 months | 4.89% | Model year 2020. |
| up to 48 months | 5.79% | Model year 2019. |
| up to 36 months | 8.29% | Model year 2018 and Older. |
| up to 60 months | 6.24% | Collector Cars; vehicle must be at least 25 years old to be considered a collector car. |
Sources (1)
- itsmycreditunion.org/rates.asp · captured Oct 7, 2026
Who can join Illinois State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.