Credit union · NCUA insured
Independent Federal Credit Union Auto Loan Rates
Independent Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Independent Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Independent Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Independent Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New 2025 – 2026
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Independent Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Independent Federal 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.
Classic Vehicle 20+ Years
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.49% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
New 2025 – 2026
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | APR as low as stated based on creditworthiness. |
| up to 66 months | 5.24% | APR as low as stated based on creditworthiness. |
| up to 72 months | 5.49% | APR as low as stated based on creditworthiness. |
| up to 75 months | 5.74% | APR as low as stated based on creditworthiness. |
| up to 84 months | 5.99% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2014
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 12.99% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2015
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 11.99% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2016
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.99% | APR as low as stated based on creditworthiness. |
| up to 42 months | 11.24% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2017
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.99% | APR as low as stated based on creditworthiness. |
| up to 48 months | 10.24% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2018
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.99% | APR as low as stated based on creditworthiness. |
| up to 60 months | 8.24% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2019
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49% | APR as low as stated based on creditworthiness. |
| up to 60 months | 7.74% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2020
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.74% | APR as low as stated based on creditworthiness. |
| up to 66 months | 6.99% | APR as low as stated based on creditworthiness. |
| up to 72 months | 7.24% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2021
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | APR as low as stated based on creditworthiness. |
| up to 66 months | 6.24% | APR as low as stated based on creditworthiness. |
| up to 72 months | 6.49% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Used 2022 – 2024
Rates are based on creditworthiness, the vehicle, and other underwriting factors. Loans may qualify for additional discounts based on the use of additional services.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | APR as low as stated based on creditworthiness. |
| up to 66 months | 5.24% | APR as low as stated based on creditworthiness. |
| up to 72 months | 5.49% | APR as low as stated based on creditworthiness. |
| up to 75 months | 5.74% | APR as low as stated based on creditworthiness. |
Sources (1)
- independentfcu.org/auto-loans · captured Oct 7, 2026
Who can join Independent Federal 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, attends school, or participates in programs to alleviate poverty or distress in Madison, Delaware, Henry, Hancock, or Hamilton Counties is eligible for membership.
Cost to join
- Membership requires opening an account with a $5 share deposit.
Membership information collected October 5, 2026.