Credit union · Privately insured
Staley Credit Union Auto Loan Rates
Staley Credit Union auto loans start at 4.50% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Staley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Decatur, IL, where Staley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Staley Credit Union
4.50%APR
- Terms
- up to 60 months
New & Used Autos (Model Years 2025 and newer)
Lowest rate
United Equity Credit Union
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Decatur Earthmover Credit Union
4.75%APR
- Terms
- up to 60 months
Staley Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Staley 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.
New & Used Autos (Model Years 2023 and 2024)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | 4 Year term; Model Years 2023 and 2024; Best Rate for 100% financing. |
| up to 60 months | 4.75% | 5 Year term; Model Years 2023 and 2024; Best Rate for 100% financing. |
| up to 72 months | 5.25% | 6 Year term; Model Years 2023 and 2024; Best Rate for 100% financing. |
| up to 84 months | 6.50% | 7 Year term; Model Years 2023 and 2024; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
New & Used Autos (Model Years 2025 and newer)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.35% | 4 Year term; Model Years 2025 and newer; Best Rate for 100% financing. |
| up to 60 months | 4.50% | 5 Year term; Model Years 2025 and newer; Best Rate for 100% financing. |
| up to 72 months | 5.00% | 6 Year term; Model Years 2025 and newer; Best Rate for 100% financing. |
| up to 84 months | 6.25% | 7 Year term; Model Years 2025 and newer; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
Used Autos (Model Year 2018 & Older)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.00% | 4 Year term; Model Year 2018 & Older; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
Used Autos (Model Year 2019)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25% | 4 Year term; Model Year 2019; Best Rate for 100% financing. |
| up to 60 months | 6.50% | 5 Year term; Model Year 2019; Best Rate for 100% financing. |
| up to 72 months | 7.75% | 6 Year term; Model Year 2019; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
Used Autos (Model Year 2020)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | 4 Year term; Model Year 2020; Best Rate for 100% financing. |
| up to 60 months | 5.75% | 5 Year term; Model Year 2020; Best Rate for 100% financing. |
| up to 72 months | 6.50% | 6 Year term; Model Year 2020; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
Used Autos (Model Years 2021 and 2022)
Lowest rates available for 100% financing; rate may vary based on individual credit history and loan term. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | 4 Year term; Model Years 2021 and 2022; Best Rate for 100% financing. |
| up to 60 months | 5.25% | 5 Year term; Model Years 2021 and 2022; Best Rate for 100% financing. |
| up to 72 months | 6.25% | 6 Year term; Model Years 2021 and 2022; Best Rate for 100% financing. |
Sources (1)
- staleycu.com/loans/all-loan-ov…/car-loans/car-loanrates · captured Oct 16, 2026
Who can join Staley 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 who live or work in specified counties in Illinois, Indiana, or Tennessee.
Employers and groups
- Membership is open to employees and their families of qualifying Select Employee Groups (SEGs) nationwide.
Membership information collected October 5, 2026.