Credit union · NCUA insured
Industrial Federal Credit Union Auto Loan Rates
Industrial Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Industrial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lafayette, IN, where Industrial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Industrial Federal Credit Union
5.74%APR
- Terms
- 61–72 months
New and Used Auto
Lowest rate
Staley Credit Union
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Purdue Federal Credit Union
5.89%APR
- Terms
- up to 60 months
Industrial Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Industrial 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.
New and Used Auto
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | — |
| 37–72 months | 6.49% | — |
| 73–78 months | 7.49% | — |
| 79–84 months | 7.99% | — |
| up to 60 months | 5.74% | — |
| 61–72 months | 5.74% | — |
| 73–78 months | 6.24% | — |
| 79–84 months | 6.99% | — |
Sources (3)
- ifcu.com/accounts/personal-che…classic-55-checking.html
- ifcu.com/loans/vehicle-loans
- ifcu.com/loans/vehicle-loans/auto-loans.html
All captured Oct 15, 2026
Vehicle Refinancing
Rate match or better down to floor rate. Auto loans must have 48 months term or greater to qualify. 1% cash back up to $500. Existing IFCU loans do not qualify. No cash outs permitted.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 4.99% | 2022 or newer up to 84 month terms; 2016-2021 up to 75 month terms. Minimum amount financed of $7,500. Certain mileage restrictions apply. Term must be 48 months or greater. |
Sources (2)
All captured Oct 15, 2026
Who can join Industrial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not qualify through Select Employer groups or family can join by making a $5 donation to an eligible partner organization.
Employers and groups
- Employees, volunteers, trustees, board members, retirees, and immediate family members of employees of Select Employers are eligible for membership.
Family and household
- Individuals with a family member who is a member of Industrial FCU are eligible for membership.
Cost to join
- A $5 deposit into a savings account is required for membership.
- A one-time $5 membership fee is required to become a member.
Membership information collected October 5, 2026.