Credit union · NCUA insured
LinXus CU Auto Loan Rates
LinXus CU auto loans start at 4.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How LinXus CU’s auto loan rates compare
Compared with banks and credit unions near Rockford, IL, where LinXus CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LinXus CU
4.50%APR
- Terms
- up to 60 months
New Auto & Motorcycle
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
2nd-lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
LinXus CU auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LinXus CU 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 Auto & Motorcycle
Performance based pricing. AUTO/RV MAX $75,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | — |
| up to 72 months | 5.50% | More than $20,000.00 |
| up to 84 months | 6.50% | More than $35,000.00 |
Sources (1)
- linxuscu.org/rates-and-fees · captured Oct 7, 2026
Used Auto & Motorcycle
Performance based pricing. AUTO/RV MAX $75,000. Based on Black Book Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.50% | — |
| up to 72 months | 6.50% | More than $20,000.00 |
| up to 84 months | 7.50% | More than $35,000.00 |
Sources (1)
- linxuscu.org/rates-and-fees · captured Oct 7, 2026
Who can join LinXus CU
This may be incomplete or out of date, so check with the credit union before you apply.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 Winnebago, Boone, Ogle, or Stephenson Counties are eligible for membership.
Military, government and schools
- Postal employees working in 610 & 611 zip codes are eligible for membership.
Membership information collected October 5, 2026.