Credit union · NCUA insured
NORMAL CITY EMPLOYEES Auto Loan Rates
NORMAL CITY EMPLOYEES auto loans start at 4.49% for a used one. Rates checked October 16, 2026.
How NORMAL CITY EMPLOYEES’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IL, where NORMAL CITY EMPLOYEES has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NORMAL CITY EMPLOYEES
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Bloomington Municipal Credit Union
3.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Credit Union For All
3.32%APR
- Terms
- up to 60 months
- Discount
- None included
NORMAL CITY EMPLOYEES auto loan score
85
Auto loan score
Higher than 71% of U.S. banks and credit unions
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NORMAL CITY EMPLOYEES 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 Vehicles (Same year or following year & never before titled)
Eligible for a Collateralized (secured) Loan after 3 months of membership (waiver may be requested from Credit Committee). Loaning criteria include ability to repay, proof of income, and 52% or lower debt ratio. Maximum loan amount is $50,000 total (including Secured and Unsecured loans).
| Terms | APR | Conditions |
|---|---|---|
| 1–18 months | 3.49% | Finance period up to 18 months for loan amounts less than $1,000. |
| 1–24 months | 3.49% | Finance period up to 24 months for loan amounts $1,001 to $2,500. |
| 1–36 months | 3.49% | Finance period up to 36 months for loan amounts $2,501 to $5,000. |
| 1–48 months | 3.49% | Finance period up to 48 months for loan amounts $5,001 to $7,500. |
| 1–54 months | 3.49% | Finance period up to 54 months for loan amounts $7,501 to $10,000. |
| 1–60 months | 3.49% | Finance period up to 60 months for loan amounts $10,001 to $15,000. |
| 1–72 months | 3.49% | Finance period up to 72 months for loan amounts $15,001 to $50,000. |
Used Vehicles (Used-all other vehicles)
Eligible for a Collateralized (secured) Loan after 3 months of membership (waiver may be requested from Credit Committee). Loaning criteria include ability to repay, proof of income, and 52% or lower debt ratio. Maximum loan amount is $50,000 total (including Secured and Unsecured loans).
| Terms | APR | Conditions |
|---|---|---|
| 1–18 months | 4.49% | Finance period up to 18 months for loan amounts less than $1,000. |
| 1–24 months | 4.49% | Finance period up to 24 months for loan amounts $1,001 to $2,500. |
| 1–36 months | 4.49% | Finance period up to 36 months for loan amounts $2,501 to $5,000. |
| 1–48 months | 4.49% | Finance period up to 48 months for loan amounts $5,001 to $7,500. |
| 1–54 months | 4.49% | Finance period up to 54 months for loan amounts $7,501 to $10,000. |
| 1–60 months | 4.49% | Finance period up to 60 months for loan amounts $10,001 to $15,000. |
| 1–72 months | 4.49% | Finance period up to 72 months for loan amounts $15,001 to $50,000. |
Who can join NORMAL CITY EMPLOYEES
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.