Credit union · NCUA insured
ISPFCU Auto Loan Rates
ISPFCU auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How ISPFCU’s auto loan rates compare
Compared with banks and credit unions near Springfield, IL, where ISPFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ISPFCU
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto: 100% Financing
Lowest rate
Cooperative Choice Network Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
ISPFCU auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ISPFCU 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.
Motorcycles and Titled ATVs
Rates quoted are for individuals with excellent and substantial credit; APRs are 0.25 percentage points higher for loans without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.49% | 2022 year models and newer; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
| — | 7.74% | 2021 year models and older; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
Sources (1)
- ispfcu.org/loan_rates.asp · captured Oct 6, 2026
New Auto Loan Special
Through November 30th; applies to new qualifying 2026 and 2027 model year non-preowned vehicles financed with ISPFCU; rates quoted are for individuals with excellent credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | Through November 30th; new non-preowned 2026 and 2027 model year vehicles; excellent credit required for stated rate; includes vehicles financed up to 72 months. |
Sources (1)
- ispfcu.org/new_auto_loan_special.asp · captured Oct 6, 2026
New Auto: 100% Financing
Rates quoted are for individuals with excellent and substantial credit; APRs are 0.25 percentage points higher for loans without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 100% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
| up to 60 months | 4.99% | 100% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
Sources (1)
- ispfcu.org/loan_rates.asp · captured Oct 6, 2026
New Auto: 80% Financing
Rates quoted are for individuals with excellent and substantial credit; APRs are 0.25 percentage points higher for loans without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 80% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
| up to 60 months | 4.99% | 80% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
Sources (1)
- ispfcu.org/loan_rates.asp · captured Oct 6, 2026
Used Auto: 100% Financing
Rates quoted are for individuals with excellent and substantial credit; APRs are 0.25 percentage points higher for loans without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | 100% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
| up to 60 months | 5.74% | 100% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
Sources (1)
- ispfcu.org/loan_rates.asp · captured Oct 6, 2026
Used Auto: 80% Financing
Rates quoted are for individuals with excellent and substantial credit; APRs are 0.25 percentage points higher for loans without automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | 80% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
| up to 60 months | 5.49% | 80% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment. |
Sources (1)
- ispfcu.org/loan_rates.asp · captured Oct 6, 2026
Who can join ISPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees who regularly work in the state and local government industry in the state of Illinois are eligible for membership.
- Retired individuals from the state and local government industry in the state of Illinois are eligible for membership.
Family and household
- Spouses of eligible deceased persons are eligible for membership.
- Members of immediate families of any of the approved eligible groups are eligible for membership.
Membership information collected October 5, 2026.