Credit union · NCUA insured
Local 697 FCU Auto Loan Rates
Local 697 FCU auto loans start at 5.39% APR for a new vehicle and 9.50% for a used one. Rates checked October 15, 2026.
How Local 697 FCU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Local 697 FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 697 FCU
5.39%APR
- Terms
- up to 84 months
- Discount
- None included
New And Used Vehicles
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Local 697 FCU auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 697 FCU 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.
Conversion Vans
Rates effective January 4, 2023. APR based on applicants credit and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.00% | New Conversion Vans |
| up to 60 months | 9.50% | Used Conversion Vans |
| up to 96 months | 11.50% | New Conversion Vans |
| up to 96 months | 12.50% | Used Conversion Vans |
Sources (1)
- local697fcu.org/rates · captured Oct 7, 2026
New And Used Vehicles
100% Financing Available. Rate based on creditworthiness and term of loan. Rates effective January 4, 2023.
| Terms | APR | Conditions |
|---|---|---|
| 36–48 months | 4.39% | Model Year: 2025-2026 |
| up to 60 months | 4.49% | Model Year: 2025-2026 |
| up to 66 months | 4.59% | Model Year: 2025-2026 |
| up to 72 months | 4.89% | Model Year: 2025-2026 |
| up to 84 months | 5.39% | Model Year: 2025-2026; New Only |
| 36–48 months | 4.59% | Model Year: 2022-2024 |
| up to 60 months | 4.79% | Model Year: 2022-2024 |
| up to 66 months | 4.99% | Model Year: 2022-2024 |
| up to 72 months | 5.09% | Model Year: 2022-2024 |
| 36–48 months | 5.09% | Model Year: 2020-2021 |
| up to 60 months | 5.19% | Model Year: 2020-2021 |
| up to 72 months | 5.39% | Model Year: 2020-2021 |
| up to 36 months | 5.69% | Model Year: 2016-2019 |
| up to 48 months | 5.89% | Model Year: 2016-2019 |
| up to 60 months | 6.09% | Model Year: 2016-2019 |
| up to 36 months | 6.39% | Model Year: 2015 |
| up to 48 months | 6.59% | Model Year: 2015 |
| up to 36 months | 6.79% | Model Year: 2014 & Older |
| up to 48 months | 6.90% | Model Year: 2014 & Older |
Sources (1)
- local697fcu.org/rates · captured Oct 7, 2026
Who can join Local 697 FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to regular and associate members of International Brotherhood of Electrical Workers Local 697.
- Membership is open to employees of the Local 697 Apprenticeship and Training School.
- Membership is open to The Local 697 Pension Fund.
- Membership is open to NECA-IBEW Local 697 Health and Welfare Plan.
- Membership is open to members and employees of the Northern Indiana Chapter of the National Electrical Contractors Association, Inc.
Family and household
- Immediate family of credit union members are eligible to join.
Cost to join
- A $6 minimum deposit is required for a Member Ownership Account upon joining.
Membership information collected October 5, 2026.