Credit union · NCUA insured
Partnership Financial Credit Union Auto Loan Rates
Partnership Financial Credit Union auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 16, 2026.
How Partnership Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Partnership Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Partnership Financial Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
- Discount
- None included
2026 – 2024 Model Year Vehicle Rates
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
Partnership Financial Credit Union auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Partnership Financial 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.
2015 & Older Model Year Vehicle Rates
Vehicle purchases only and NADA value must support sales price. Maximum term is 3 years. Rates are based on credit score and term of loan. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 10.25%–17.00% | Combined credit score tiers (725+ to 574 & Below). Vehicle purchases only and NADA value must support sales price. Maximum term 3 years. |
Sources (1)
- mypfcu.org/complete-auto-rates · captured Oct 16, 2026
2019-2016 Model Year Vehicle Rates
Rates are based on credit score and term of loan. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.50%–17.00% | Combined credit score tiers (725+ to 574 & Below). Maximum term 3 years. |
Sources (1)
- mypfcu.org/complete-auto-rates · captured Oct 16, 2026
2023-2020 Model Year Vehicle Rates
Rates are based on credit score and term of loan. 72-84 month financing applies to loan amounts greater than $25,000. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50%–15.00% | Combined credit score tiers (725+ to 574 & Below). |
| up to 48 months | 5.00%–15.50% | Combined credit score tiers (725+ to 574 & Below). |
| up to 60 months | 5.50%–16.00% | Combined credit score tiers (725+ to 574 & Below). |
| up to 72 months | 6.00%–10.25% | Combined credit score tiers (725+ to 625-674); applies to loan amounts greater than $25,000. |
Sources (1)
- mypfcu.org/complete-auto-rates · captured Oct 16, 2026
2026 – 2024 Model Year Vehicle Rates
Rates are based on credit score and term of loan. 72-84 month financing applies to loan amounts greater than $25,000. 84 month financing will require GAP Insurance. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00%–14.00% | Combined credit score tiers (725+ to 574 & Below). |
| up to 48 months | 4.50%–14.50% | Combined credit score tiers (725+ to 574 & Below). |
| up to 60 months | 5.00%–15.00% | Combined credit score tiers (725+ to 574 & Below). |
| up to 72 months | 5.50%–9.25% | Combined credit score tiers (725+ to 625-674); applies to loan amounts greater than $25,000. |
| up to 84 months | 6.00%–9.75% | Combined credit score tiers (725+ to 625-674); applies to loan amounts greater than $25,000; requires GAP Insurance. |
Sources (1)
- mypfcu.org/complete-auto-rates · captured Oct 16, 2026
Extended Warranty Financing
Extended warranties can be financed for up to 18 months for borrowers with credit scores of 600 or above. If the extended warranty is purchased in conjunction with the vehicle loan, the rate will be the same as the vehicle loan rate. If purchased after the vehicle loan is funded or not in conjunction with a vehicle loan the interest rate will be 8.50% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 18 months | 8.50% | For borrowers with credit scores of 600 or above. Applies when purchased after the vehicle loan is funded or not in conjunction with a vehicle loan. |
Sources (1)
- mypfcu.org/loans/rates-3 · captured Oct 16, 2026
Who can join Partnership Financial 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 or work within the defined geographic area bounded by the Illinois/Wisconsin border on the north, North Avenue (Route 64) on the south, Lake Michigan on the east, Route 47 on the west, and the townships of Lyons, Proviso, York, and Leyden are eligible for membership.
Employers and groups
- Individuals employed by one of PFCU's Select Employee Groups are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership regardless of where they live or work.
Membership information collected October 5, 2026.