Credit union · NCUA insured
Rock Valley Credit Union Auto Loan Rates
Top CarrotRock Valley Credit Union auto loans start at 3.49% APR for a new vehicle and 3.49% for a used one. Rates checked October 16, 2026.
How Rock Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rockford, IL, where Rock Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
Auto Loan Specials
2nd-lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Discount
- None included
3rd-lowest rate
Consumers Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Rock Valley Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rock Valley 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.
Auto Loan Specials
No payments for 3 months. Credit approval required. Primary share account and $25 deposit to establish membership required. Offer not available on existing RVCU loans; offer is for new loans only.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.49% | Enjoy no payments for 3 months. Payment per $1,000 at 3.49% on 36 months is $29.30. Your APR may vary based on creditworthiness, loan amount, age of vehicle, and term of loan. |
Sources (1)
- rockvalleycreditunion.org/promotion/auto-loan · captured Oct 9, 2026
Motorcycle
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | At $30.20 per $1,000 |
Sources (1)
- rockvalleycreditunion.org/rates · captured Oct 9, 2026
New Cars
Up to 125% financing. Credit approval and initial $25 deposit required. Federally insured by NCUA.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Payment per $1,000 at 3.99% on 36 months is $29.52. Your APR may vary based on creditworthiness, loan amount, age of vehicle, and term of loan. Initial $25 deposit required. |
Sources (1)
- rockvalleycreditunion.org/auto-loans · captured Oct 9, 2026
New/Used Vehicle
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | At $29.30 per $1,000 |
Sources (1)
- rockvalleycreditunion.org/rates · captured Oct 9, 2026
Who can join Rock Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in Winnebago, Boone, Ogle, DeKalb, Lee, or Stephenson counties in Illinois, or in Green, Rock, or Walworth counties in Wisconsin.
Family and household
- Membership extends to anyone in the immediate family, defined as any relative by blood or marriage, domestic partners, and foster or adopted children.
Membership information collected October 5, 2026.