Credit union · NCUA insured
South Side Community Federal Credit Union Auto Loan Rates
South Side Community Federal Credit Union auto loan rates start at 3.25% APR. Rates checked October 16, 2026.
How South Side Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions in Illinois, where South Side Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Side Community Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
Bloomington Municipal Credit Union
3.29%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Credit Union For All
3.32%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.
New and Used Auto Loans
Financing up to 90% of Kelley's Blue Book value for vehicles less than 7 years old. Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, maintaining a $50.00 deposit balance, credit union membership, demonstrated capacity to repay, and a $20.00 application fee. Maximum loan amount is $40,000 for new cars and $35,000 for used cars.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 3.25%–16.00% | New vehicles: maximum borrow amount up to $40,000. Term ranges between 36 and 72 months depending on vehicle age. $20.00 application fee. |
| 36–72 months | 3.25%–16.00% | Used vehicles: maximum borrow amount up to $35,000. Term ranges between 36 and 72 months depending on vehicle age. $20.00 application fee. |
Sources (1)
- southsidecommunityfcu.org/w/loans · captured Oct 7, 2026
Who can join South Side Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals or businesses who live, work, worship, attend school, or belong to an organization on Chicago's south side within the boundary of 22nd Street on the North, city limits on the South, the Lake on the East, and Western Avenue on the West.
Cost to join
- $50.00 to open a savings/share account (inclusive of a $10.00 membership fee), with a monthly minimum balance requirement of $50.00.
- One-time-only $10.00 membership fee included in the $50.00 deposit to open a savings/share account.
- Young adults between the ages of 7 & 17 can open a savings share account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.