Credit union · NCUA insured
Planites Credit Union Auto Loan Rates
Planites Credit Union auto loans start at 7.50% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Planites Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Planites Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Planites Credit Union
7.50%APR
- Terms
- up to 84 months
- Discount
- None included
New & Used Vehicle Loans
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
Planites Credit Union auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew7.50%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Planites 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 & Used Vehicle Loans
When you are ready to purchase a new or used vehicle; finances vehicles six years old or newer; 100% financing of retail value; actual rates based on NADA retail value, credit score, model year, term, and down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | For 24 months; actual rates based on NADA retail value, credit score, model year, term, and down payment. |
| up to 36 months | 5.25% | Up to 36 months; actual rates based on NADA retail value, credit score, model year, term, and down payment. |
| up to 48 months | 5.50% | For 48 months; actual rates based on NADA retail value, credit score, model year, term, and down payment. |
| up to 60 months | 5.75% | Up to 60 months; actual rates based on NADA retail value, credit score, model year, term, and down payment. |
| up to 72 months | 6.50% | Up to 72 months; actual rates based on NADA retail value, credit score, model year, term, and down payment. |
| up to 84 months | 7.50% | Up to 84 months; 84-month term available on new vehicles only; minimum $40,000 loan amount. |
Sources (2)
All captured Oct 6, 2026
Who can join Planites Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 HCSC, Dearborn Group, and all other subsidiaries and affiliates of HCSC.
Family and household
- Family members of employees of HCSC, Dearborn Group, and all other subsidiaries and affiliates of HCSC are eligible for membership.
Membership information collected October 5, 2026.