Credit union · NCUA insured
Metropolitan L FCU Auto Loan Rates
Metropolitan L FCU auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Metropolitan L FCU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Metropolitan L FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Metropolitan L FCU
5.25%APR
- Terms
- up to 60 months
- Up to
- 10.50% APR
- Discount
- None included
2026 Car Loans
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Metropolitan L FCU auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- 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 Metropolitan L 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.
2025 Car Loans
Open share account required to apply. All cars must be under 100,000 miles. Requires loan application, 2 current paystubs, full coverage car insurance, 10% of total price of car loan in shares, and bill of sale or monthly statement. Experian credit bureau risk score determines rate. Paperwork due Wednesday for Thursday credit committee approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50%–10.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 60 months | 6.00%–11.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 72 months | 6.25%–11.50% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 84 months | 6.50%–12.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
Sources (3)
All captured Oct 16, 2026
2026 Car Loans
Open share account required to apply. All cars must be under 100,000 miles. Requires loan application, 2 current paystubs, full coverage car insurance, 10% of total price of car loan in shares, and bill of sale or monthly statement. Experian credit bureau risk score determines rate. Paperwork due Wednesday for Thursday credit committee approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00%–10.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 60 months | 5.25%–10.50% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 72 months | 5.50%–11.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 84 months | 5.75%–11.50% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
Sources (3)
All captured Oct 16, 2026
All other Car Loans (2021-2024)
Open share account required to apply. Applies to model years 2021-2024. All cars must be under 100,000 miles. Requires loan application, 2 current paystubs, full coverage car insurance, 10% of total price of car loan in shares, and bill of sale or monthly statement. Experian credit bureau risk score determines rate. Paperwork due Wednesday for Thursday credit committee approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00%–12.00% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 60 months | 6.25%–12.50% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
| up to 72 months | 6.50%–13.50% | Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate. |
Sources (3)
All captured Oct 16, 2026
Who can join Metropolitan L FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to employees of sponsor companies named in the charter, including Chicago Metro 'L', Sanford Ink Corp., St. Elizabeth Hospital (now part of Resurrection Health Care), Service One, Ashley Quality Care, Local 880, Morse Automotive, Empire Today, Oak Park Residence, Family Home Care, Neighborhood Housing Service, and the Housing Authority of Cook County.
Family and household
- Membership is available to relatives of any current credit union member.
Membership information collected October 5, 2026.