Credit union · NCUA insured
Land of Lincoln Credit Union Auto Loan Rates
Land of Lincoln Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Land of Lincoln Credit Union’s auto loan rates compare
Compared with banks and credit unions near Decatur, IL, where Land of Lincoln Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Land of Lincoln Credit Union
4.75%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
United Equity Credit Union
4.50%APR
- Terms
- up to 60 months
2nd-lowest rate
Staley Credit Union
4.50%APR
- Terms
- up to 60 months
Land of Lincoln Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Land of Lincoln 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
Membership required. Financing available for new and used vehicles (cars, trucks, vans, motorcycles). Option to defer first payment for up to 90 days. Rate and term based on credit history, term of loan, and model year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Applicable to 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 72 months | 5.45% | Applicable to 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 84 months | 6.45% | Applicable to 2023 - 2026 New & Used Cars, Trucks and Vans. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 60 months | 5.25% | Applicable to 2021 - 2022 Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 72 months | 5.95% | Applicable to 2021 - 2022 Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 60 months | 6.25% | Applicable to 2019 - 2020 Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
| up to 72 months | 6.95% | Applicable to 2019 - 2020 Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history. |
Who can join Land of Lincoln 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 anyone who works or resides in 28 specified Illinois counties.
Employers and groups
- Membership is open to current employees of Land of Lincoln Credit Union's Premier Partners.
Family and household
- Membership is open to immediate family members of a current Land of Lincoln Credit Union member (children, parents, spouses, siblings, grandparents, and grandchildren), regardless of residence.
Other ways
- Membership is open to members, associate members, clergy, pastors, or affiliates of a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference.
Membership information collected October 5, 2026.