Credit union · NCUA insured
SIU Credit Union Auto Loan Rates
SIU Credit Union auto loan rates start at 2.50% APR. Rates checked September 25, 2026.
How SIU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Marion, IL, where SIU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SIU Credit Union
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No ongoing APR published
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 Loans Promotional Discount Offer
Offer valid July 3 – September 30, 2026. Applies to 2015 and newer vehicles not currently financed at SIU Credit Union. If refinancing an existing SIUCU loan, add $3,000 to the total. Maximum term: 60 months. Rate discount picked at random (discounts range 1.00%–2.49% APR off base rate). No payments for 90 days. No additional deductions allowed off promotional rate. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 2.50% | As low as 2.50% APR for 60 months with possible discount. |
Sources (1)
- siucu.org/loans/vehicle/discounts · captured Sep 17, 2026
New Auto (2026-2025) Never Titled
Membership required. Rate is determined by evaluation of credit history and loan term. Rate discounts up to 0.75% via Loyalty Bundle (SIUCU Credit Card or Checking account) and 0.25% with Automatic Loan Payments (not reflected in rates).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | As low as APR. |
| up to 36 months | 4.99% | As low as APR. |
| up to 48 months | 4.99% | As low as APR. |
| up to 60 months | 4.99% | Loan amount >$15,000. As low as APR. |
| up to 72 months | 5.99% | Loan amount >$15,000. As low as APR. |
| up to 75 months | 6.24% | Loan amount >$25,000, max LTV 100%, max mileage 10,000. As low as APR. |
Pre-Owned Automobile (2010-2009)
Membership required. Rate is determined by evaluation of credit history and loan term. Rate discounts up to 0.75% via Loyalty Bundle (SIUCU Credit Card or Checking account) and 0.25% with Automatic Loan Payments (not reflected in rates).
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.99% | As low as APR. |
Used Auto (2014-2011) Titled
Membership required. Rate is determined by evaluation of credit history and loan term. Rate discounts up to 0.75% via Loyalty Bundle (SIUCU Credit Card or Checking account) and 0.25% with Automatic Loan Payments (not reflected in rates).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.74% | As low as APR. |
| up to 75 months | 4.99% | As low as APR. |
| up to 48 months | 4.99% | As low as APR. |
| up to 60 months | 4.99% | As low as APR. |
Used Auto (2025-2015) Previously Titled
Membership required. Rate is determined by evaluation of credit history and loan term. Rate discounts up to 0.75% via Loyalty Bundle (SIUCU Credit Card or Checking account) and 0.25% with Automatic Loan Payments (not reflected in rates).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | As low as APR. |
| up to 24 months | 4.99% | As low as APR. |
| up to 36 months | 4.99% | As low as APR. |
| up to 48 months | 4.99% | As low as APR. |
| up to 60 months | 4.99% | Loan amount >$15,000. As low as APR. |
| up to 72 months | 5.99% | Loan amount >$15,000. As low as APR. |
| up to 84 months | 7.74% | Loan amount >$25,000, max LTV 100%, max mileage 10,000. As low as APR. |
Who can join SIU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to anyone who lives or works for member companies/SEGs including Center for Comprehensive Services, Centerstone, Gateway Foundation, Sam's Club of Marion, Shawnee Health Services, Shawnee Library System, and Southern Illinois Healthcare Services.
Military, government and schools
- Membership is open to individuals belonging to eligible education groups, including SIU faculty, staff, students, graduates, emeritus/adjunct status, SIU Foundation employees, John A. Logan employees/students, and retired or active school employees in the 24 specified counties.
- Membership is open to anyone who lives or works for participating government/public entity employer groups (City of Carbondale, Illinois Youth Center, Marion VA Medical Center, West Frankfort Municipal Group (City Employees), Williamson County).
Family and household
- Membership is open to immediate family members of existing members, including parents, spouse, children, siblings, grandchildren, and grandparents.
Other ways
- Membership is open to anyone who belongs to eligible associations (Lake of Egypt Association of Property Owners, Local 702 IBEW, LiUNA Local 773, Sam’s Club of Marion, or SIU Alumni Association).
Cost to join
- Opening a membership share savings account requires $5.
Membership information collected October 5, 2026.