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Credit union · NCUA insured

TLCU Financial Auto Loan Rates

Top Carrot, Carrot Score 92Top Carrot

TLCU Financial auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 15, 2026.

How TLCU Financial’s auto loan rates compare

Compared with banks and credit unions near South Bend, IN-MI, where TLCU Financial has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 92

    This credit union’s lowest

    TLCU Financial

    4.24%APR

    Terms
    —
    Up to
    —
    Discount
    None included

    Auto’s 2026 and Newer

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Circle Federal Credit Union

    4.25%APR

    Terms
    up to 84 months
    Up to
    7.25% APR
    Discount
    None included

    Circle Federal Credit Union rates

  • 3rd-lowest rate

    Policemen's Federal Credit Union

    4.25%APR

    Terms
    up to 84 months
    Up to
    —
    Discount
    Included in the rate

    Policemen's Federal Credit Union rates

Compare auto loan rates near you →

TLCU Financial auto loan score

93

Auto loan score

Higher than 94% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.24%
  • Used vehicleUsed4.24%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where TLCU Financial 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.

Who can join TLCU Financial

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Anyone living or working in LaGrange County, Marshall County, Elkhart County, or St. Joseph County is eligible for membership.

Employers and groups

  • Employees of listed Select Employee Groups in Mishawaka, Topeka, and Bremen qualify for membership.

Family and household

  • Individuals who have a family member with an existing TLCU Financial account are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← TLCU Financial overview