Credit union · NCUA insured
Northern Illinois Federal Credit Union Auto Loan Rates
Northern Illinois Federal Credit Union auto loans start at 4.59% APR for a new vehicle and 4.59% for a used one. Rates checked October 16, 2026.
How Northern Illinois Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Northern Illinois Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northern Illinois Federal Credit Union
4.59%APR
- Terms
- 37–60 months
- Discount
- None included
New Auto Loan
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
Northern Illinois Federal Credit Union auto loan score
89
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.59%
- Used vehicleUsed4.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Illinois Federal 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.
New Auto Loan
Lowest standard rates based on credit score and creditworthiness. Maximum manufacturer's suggested retail price (MSRP). New auto has never been titled. Beat any rate by 0.10% with matching terms.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.59% | Lowest standard rate based on credit score and creditworthiness. |
| 37–60 months | 4.59% | Lowest standard rate based on credit score and creditworthiness. |
| 61–72 months | 4.99% | Lowest standard rate based on credit score and creditworthiness. |
| 73–84 months | 5.49% | Only available for vehicles financing $30,000 or more. Lowest standard rate based on credit score and creditworthiness. |
Used Auto Loan
Lowest standard rates based on credit score and creditworthiness. Maximum J.D. Power clean retail value: 2026-2016 models up to 100%, 2015 and older up to 90%. Minimum clean retail value of $5,000 required. Beat any rate by 0.10% with matching terms.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.59% | Lowest standard rate based on credit score and creditworthiness. |
| 37–60 months | 4.59% | Lowest standard rate based on credit score and creditworthiness. |
| 61–72 months | 4.99% | Lowest standard rate based on credit score and creditworthiness. |
| 73–84 months | 5.49% | Only available for vehicles financing $30,000 or more. Lowest standard rate based on credit score and creditworthiness. |
Who can join Northern Illinois Federal Credit Union
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, work, attend school, or worship in DeKalb County are eligible for membership.
- Individuals who live, work, attend school, or worship in Lee County are eligible for membership.
- Individuals who live, work, attend school, or worship in Ogle County are eligible for membership.
Military, government and schools
- Employees of DeKalb Public Library are eligible for membership.
- Members or employees of Illinois Association of School Business Officials are eligible for membership.
- Employees or affiliates of Northern Illinois University are eligible for membership.
2 more ways to join
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relations) of current members are eligible for membership.
- Members of the same household as current members (defined as persons living in the same residence forming a single economic unit) are eligible for membership.
Cost to join
- An opening deposit of $25 by cash, check, or card is required to open a membership account.
Membership information collected October 5, 2026.