Credit union · NCUA insured
Kaskaskia Valley Community Credit Union Auto Loan Rates
Kaskaskia Valley Community Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Kaskaskia Valley Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Centralia, IL, where Kaskaskia Valley Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kaskaskia Valley Community Credit Union
5.00%APR
- Terms
- up to 120 months
- Discount
- None included
Auto Loans
Lowest rate
GenFed Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Land of Lincoln Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
Kaskaskia Valley Community Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kaskaskia Valley Community 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
Fixed and variable rates on new or used vehicles. Up to 100% financing available for qualified buyers. Terms up to 120 months. No application fees, hidden fees, or prepayment penalties. Valid for new purchases and refinances from other lenders only. Mileage in excess of 150,000 limits loan amount based on NADA value. Terms greater than 63 months only available on vehicles 2018 and newer with a loan amount of $15,000 or greater and mileage under 50,000 miles. If total loan amount is less than 80% MSRP or NADA retail value, a 0.50% rate reduction applies. 1.00% added when adding funds to existing in-house loan or using vehicle title as collateral. Floor rate is 4.50% APR and maximum rate is 17.99% APR. First due date must not exceed 45 days from contract date.
| Terms | APR | Conditions |
|---|---|---|
| up to 120 months | 5.00% | Model Year 2018 – 2025. Terms greater than 63 months require loan amount of $15,000 or greater and mileage under 50,000 miles. A 0.50% rate discount applies if loan amount is less than 80% of MSRP or NADA retail value. |
| up to 63 months | 6.80% | Model Year 2012 – 2017. Terms greater than 63 months not available. A 0.50% rate discount applies if loan amount is less than 80% of MSRP or NADA retail value. |
| up to 63 months | 8.20% | Model Year 2011 & Older. Terms greater than 63 months not available. A 0.50% rate discount applies if loan amount is less than 80% of MSRP or NADA retail value. |
Who can join Kaskaskia Valley Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Clinton, Marion, Washington, or Jefferson Counties.
Employers and groups
- Employees and retirees of qualifying Select Employee Groups (SEGs) partnered with the credit union.
Family and household
- Immediate family members of current members.
Cost to join
- A $10 deposit into a Share Savings account is required to establish membership and maintain member-for-life status.
Membership information collected October 5, 2026.