Credit union · NCUA insured
Streator Onized Credit Union Auto Loan Rates
Streator Onized Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 17, 2026.
How Streator Onized Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ottawa, IL, where Streator Onized Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Streator Onized Credit Union
4.99%APR
- Terms
- 49–60 months
- Up to
- 5.99% APR
- Discount
- Included in the rate
Vehicle Loan
Lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Streator Onized Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Streator Onized 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.
Vehicle Loan
Available through direct application or Indirect Lending Partners. Rates vary based on vehicle year, creditworthiness, and term. 'APR As Low As' reflects available rate discounts. SOCU reserves the right to adjust term and/or LTV based on applicant creditworthiness or collateral.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 3.99%–4.99% | Model year 2025 & Newer. Base APR is 4.99%; APR as low as 3.99% with applicable discounts. |
| 61–72 months | 5.49%–6.49% | Model year 2025 & Newer. Base APR is 6.49%; APR as low as 5.49% with applicable discounts. Minimum loan amount $15,000.00; maximum LTV 120%. |
| 73–84 months | 6.89%–7.89% | Model year 2025 & Newer. Base APR is 7.89%; APR as low as 6.89% with applicable discounts. Minimum loan amount $30,000.00; maximum LTV 105%. |
| 49–60 months | 4.99%–5.99% | Model year 2024. Base APR is 5.99%; APR as low as 4.99% with applicable discounts. Maximum LTV 125%. |
| 1–60 months | 5.24%–6.24% | Model year 2023. Base APR is 6.24%; APR as low as 5.24% with applicable discounts. Maximum LTV 125%. |
| 61–72 months | 5.99%–6.99% | Model year 2023. Base APR is 6.99%; APR as low as 5.99% with applicable discounts. Minimum loan amount $15,000.00; maximum LTV 120%. |
| 1–60 months | 5.74%–6.74% | Model years 2021-2022. Base APR is 6.74%; APR as low as 5.74% with applicable discounts. Maximum LTV 125%. |
| 61–72 months | 6.49%–7.49% | Model years 2021-2022. Base APR is 7.49%; APR as low as 6.49% with applicable discounts. Minimum loan amount $15,000.00; maximum LTV 120%. |
| 1–60 months | 5.99%–6.99% | Model years 2019-2020. Base APR is 6.99%; APR as low as 5.99% with applicable discounts. Maximum LTV 125%. |
| 61–72 months | 6.74%–7.74% | Model years 2019-2020. Base APR is 7.74%; APR as low as 6.74% with applicable discounts. Minimum loan amount $15,000.00; maximum LTV 120%. |
| 1–48 months | 6.74%–7.74% | Model years 2017-2018. Base APR is 7.74%; APR as low as 6.74% with applicable discounts. |
| 61–72 months | 7.74%–8.74% | Model years 2017-2018. Base APR is 8.74%; APR as low as 7.74% with applicable discounts. Minimum loan amount $15,000.00; maximum LTV 120%. |
| 1–36 months | 6.74%–7.74% | Model years 2016 & Older. Base APR is 7.74%; APR as low as 6.74% with applicable discounts. |
| 37–48 months | 7.24%–8.24% | Model years 2016 & Older. Base APR is 8.24%; APR as low as 7.24% with applicable discounts. |
| 49–66 months | 7.99%–8.99% | Model years 2016 & Older. Base APR is 8.99%; APR as low as 7.99% with applicable discounts. Maximum LTV 125% up to 60 months. |
Sources (1)
- socu.org/rates · captured Oct 17, 2026
Vehicle Purchase Special
Promotional purchase rate. All loans subject to credit approval. Rate may vary based on credit, value, and term. Lowest APR includes discounts for Auto Withdrawal (0.50% APR) and SOCU primary checking account (0.50% APR). Additional 0.50% APR discount may apply with ScoreCard point redemption.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | 2024 & Newer Purchase Rate. As low as rate reflects discounts for auto withdrawal (0.50%) and SOCU primary checking account (0.50%). Additional 0.50% discount may apply with ScoreCard point redemption. |
Who can join Streator Onized 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 anyone residing or working in LaSalle, Livingston, Marshall, Grundy, Putnam, Woodford, McLean, Bureau, Stark, Peoria, Tazewell, Ford, Iroquois, Kankakee, Will, and Kendall Counties.
Employers and groups
- Membership is open to employees and families of 45+ Select Employee Groups.
Family and household
- Membership is open to all relatives of those residing or working in LaSalle, Livingston, Marshall, Grundy, Putnam, Woodford, McLean, Bureau, Stark, Peoria, Tazewell, Ford, Iroquois, Kankakee, Will, and Kendall Counties.
Cost to join
- Opening a savings account requires $1, which SOCU pays for you when stopping into any branch.
- When buying a vehicle at a dealer, a savings account is opened for $1, which SOCU pays for you.
Membership information collected October 5, 2026.