Credit union · NCUA insured
Springfield City Employees Credit Union Auto Loan Rates
Springfield City Employees Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 23, 2026.
How Springfield City Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, IL, where Springfield City Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Springfield City Employees Credit Union
4.50%APR
- Terms
- up to 72 months
- Discount
- None included
Auto Loans
Lowest rate
Cooperative Choice Network Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Springfield City Employees Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Springfield City Employees 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 Loans
Rates depend on vehicle year and percentage of NADA value (90% or 100%). Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years (per footnote *).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 36 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 48 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 60 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 72 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 84 months | 4.50% | Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 24 months | 5.00% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 36 months | 5.00% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 48 months | 5.00% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 60 months | 5.00% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 72 months | 5.50% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 84 months | 6.00% | Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 24 months | 6.50% | Vehicle: 2022 - 100% NADA |
| up to 36 months | 6.50% | Vehicle: 2022 - 100% NADA |
| up to 48 months | 6.50% | Vehicle: 2022 - 100% NADA |
| up to 60 months | 6.50% | Vehicle: 2022 - 100% NADA |
| up to 24 months | 10.00% | Vehicle: Vintage Visual Inspect*; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 36 months | 10.00% | Vehicle: Vintage Visual Inspect*; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 48 months | 10.00% | Vehicle: Vintage Visual Inspect*; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
| up to 60 months | 10.00% | Vehicle: Vintage Visual Inspect*; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years |
Sources (1)
- scecu.org · captured Oct 23, 2026
Who can join Springfield City Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the City of Springfield, including utility, water, light, power, and Springfield Housing Authority, are eligible for membership.
Family and household
- Immediate family members (spouse, parents, children, brothers and sisters, grandparents, and grandchildren) of eligible City of Springfield employees are eligible for membership.
Membership information collected October 5, 2026.