Credit union · NCUA insured
Indiana Members Credit Union Auto Loan Rates
Top CarrotIndiana Members Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Indiana Members Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Indiana Members Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Auto Loans: SUVs, Truck, Minivan, & Car
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Bar-Cons Federal Credit Union
4.50%APR
- Terms
- —
- Up to
- —
Indiana Members Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Indiana Members 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: SUVs, Truck, Minivan, & Car
Rates reflect a 0.25% Full Relationship discount with checking and direct deposit. Membership savings account required. Subject to credit approval and underwriting. Current IMCU loans not eligible. Rates may vary based on credit score, vehicle year, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | 2026 or newer models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| up to 48 months | 4.24% | 2026 or newer models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| up to 60 months | 4.49% | 2026 or newer models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| up to 72 months | 4.74% | 2026 or newer models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| up to 84 months | 5.99% | 2026 or newer models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| 36–84 months | 4.49%–6.74% | 2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| 36–72 months | 4.99%–5.99% | 2022 - 2023 models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| 36–72 months | 6.74%–8.24% | 2019 - 2021 models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| 36–60 months | 8.74%–9.74% | 2016 - 2018 models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
| up to 36 months | 16.24% | 2015 or older models. Reflects 0.25% Full Relationship discount with checking and direct deposit. |
Sources (2)
All captured Oct 5, 2026
Motorcycle Loans
Rates reflect a 0.25% Full Relationship discount with checking and direct deposit. Membership savings account required. Current IMCU loans exempt. Rates subject to change and may vary based on credit score, vehicle year, loan term, and other underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.24% | 2026 or Newer Models. Reflects 0.25% Full Relationship discount with checking and direct deposit. Example based on $10,000 loan for 36 payments of $314.47. Flexible terms from 36 to 72 months available (call or visit branch for used vehicle rates). |
Sources (1)
- imcu.com/personal/loans/loan-rates · captured Oct 5, 2026
Who can join Indiana Members 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 or works in eligible counties across Central Indiana, Southern Indiana, or parts of Northern Kentucky is eligible to join.
Family and household
- Immediate family members of eligible individuals may qualify for membership.
Cost to join
- Membership requires opening a share account (deposit amount unstated).
Membership information collected October 5, 2026.