Credit union · NCUA insured
State Farm Federal Credit Union Auto Loan Rates
Top CarrotState Farm Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How State Farm Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bloomington, IL, where State Farm Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
State Farm Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
New and Used Auto / Truck Loans
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
State Farm Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where State Farm Federal 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 and Used Auto / Truck Loans
All borrowers must be full-service Credit Union members with an open and funded Share Savings Account (minimum funding of $5 for individual accounts and $10 for joint accounts) and be at least 18 years of age. Maximum loan amounts are based on Loan to Value (LTV)% factoring in collateral type, loan type, and credit evaluation. No application, origination, or pre-payment penalty fees. Finance up to 120% LTV for qualified purchase/refinance borrowers and up to 100% LTV for title loans.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Payment per $1,000 is $18.64 calculated on maximum term available (60 months). Pre-approvals valid for 60 days. Same competitive rate for new and used model years. |
| up to 84 months | 4.49% | Payment per $1,000 is $13.90 calculated on maximum term available (84 months). Pre-approvals valid for 60 days. Same competitive rate for new and used model years. |
Sources (8)
- statefarmfcu.com/who-is-eligible-to-apply-for-a-loan
- statefarmfcu.com
- statefarmfcu.com/loans/auto-truck
- statefarmfcu.com/loans/auto-truck/preapproval-2
- statefarmfcu.com/loans/auto-truck/purchase-2
- statefarmfcu.com/loans/auto-truck/refinance-2
- statefarmfcu.com/loans/auto-truck/title-loan
- statefarmfcu.com/rates-2
All captured Oct 16, 2026
New and Used Motorcycle & Other Vehicle Loans
All borrowers must be full-service Credit Union members with an open and funded Share Savings Account (minimum funding of $5 for individual accounts and $10 for joint accounts) and be at least 18 years of age. Maximum loan amounts for vehicle loans are based on the Loan to Value (LTV)% factoring in collateral type, loan type, and credit evaluation. All collateral other than shares, boats, or motor homes is limited to a maximum repayment term of 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.49% | Payment per $1,000 is $18.64 calculated on maximum term available (60 months). Same rate for new and used. |
| up to 84 months | 4.49% | Payment per $1,000 is $13.90 calculated on maximum term available (84 months). Same rate for new and used. |
Sources (2)
All captured Oct 16, 2026
Who can join State Farm Federal 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 all U.S. State Farm employees, agents, and retirees.
Family and household
- Membership is open to certain immediate family members of U.S. State Farm employees, agents, and retirees (legally married spouse, domestic partnership or civil union, children under 26, or incapable children over 26).
Membership information collected October 5, 2026.