Credit union · NCUA insured
IU Credit Union Auto Loan Rates
Top CarrotIU Credit Union auto loans start at 6.29% APR for a new vehicle and 6.29% for a used one. Rates checked October 15, 2026.
How IU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IN, where IU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
IU Credit Union
6.29%APR
- Terms
- up to 66 months
- Up to
- —
Auto/Truck Loans
Lowest rate
BCU
4.34%APR
- Terms
- 37–75 months
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
IU Credit Union auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.29%
- Used vehicleUsed6.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IU 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/Truck Loans
Financing up to 125% of the sales price, including tax and warranties. Subject to approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions. For vehicles 2018 and older, contact the Credit Union for rate information.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 6.29% | Model year 2024 and newer. |
| up to 78 months | 6.48% | Model year 2024 and newer. |
| up to 84 months | 6.73% | Model year 2024 and newer. |
| up to 48 months | 6.62% | Model years 2021-2023. |
| up to 66 months | 6.75% | Model years 2021-2023. |
| up to 78 months | 6.93% | Model years 2021-2023. |
| up to 48 months | 7.07% | Model years 2019-2020. |
| up to 66 months | 7.13% | Model years 2019-2020. |
| up to 72 months | 7.50% | Model years 2019-2020. |
Sources (2)
All captured Oct 5, 2026
Who can join IU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in one of 65 Indiana counties.
Employers and groups
- Business membership is available to business owners living or working in one of 65 Indiana counties, where the qualifying business principal is a member or eligible for membership.
Cost to join
- A minimum deposit of $5 in a Membership Savings account is required to establish membership.
Membership information collected October 5, 2026.