Credit union · NCUA insured
Salem School System Credit Union Auto Loan Rates
Salem School System Credit Union auto loan rates start at 4.50% APR. Rates checked October 16, 2026.
How Salem School System Credit Union’s auto loan rates compare
Compared with banks and credit unions near Centralia, IL, where Salem School System Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Salem School System Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
GenFed Credit Union
4.74%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Land of Lincoln Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
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.
Title Secured Vehicle Loans
For members (employees of specified school districts). Rate match requires payment-by-payment evaluation. Minimum balance requirement not stated for loans.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.50% | Vehicle 5 or less years old. |
| 48–72 months | 5.50% | Vehicle 5 or less years old. |
| 12–36 months | 5.50% | Vehicle 6 to 10 years old. |
| 48–72 months | 6.50% | Vehicle 6 to 10 years old. |
| 12–36 months | 6.50% | Vehicle over 10 years old. |
| 48–72 months | 7.50% | Vehicle over 10 years old. |
Sources (1)
- salemschoolscreditunion.com/rates.html · captured Oct 7, 2026
Who can join Salem School System Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Any regular employee of the specified school system districts in Marion County is eligible for membership.
Family and household
- Spouses and children living at home of eligible regular school system employees in Marion County qualify for membership.
Cost to join
- A lifetime membership fee of $5 is required upon joining.
- A minimum share deposit of $5 is required upon opening an account.
Membership information collected October 5, 2026.