Credit union · NCUA insured
U of I Community Credit Union Auto Loan Rates
Top CarrotU of I Community Credit Union auto loans start at 3.75% APR for a new vehicle and 3.75% for a used one. Rates checked October 16, 2026.
How U of I Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Champaign, IL, where U of I Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
U of I Community Credit Union
3.75%APR
- Terms
- 49–63 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Central Illinois Credit Union
3.50%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
Community Plus FCU
3.99%APR
- Terms
- up to 60 months
- Discount
- None included
U of I Community Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.75%
- Used vehicleUsed3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where U of I Community 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
All loans subject to credit approval and membership qualifications. APR may vary based on individual credit history, loan term and applicable discounts, and includes a discount for UICCU checking account holders with direct deposit. Qualified members can get up to 125% financing. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Additional credit score, loan to value and vehicle age limitations apply for 84 month financing. Maximum terms for all loan types subject to vehicle mileage. For new vehicles, retail value is based on MSRP in NADA Car Appraisal Guide. For used vehicles, retail value is determined using Central Region from current NADA Official Used Car Guide.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.50% | 2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 25–36 months | 3.50% | 2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 37–48 months | 3.50% | 2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 49–63 months | 3.75% | 2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 64–75 months | 4.25% | 2023 or newer vehicles. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 37–48 months | 3.75% | 2022-2021 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 49–63 months | 4.25% | 2022-2021 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 64–75 months | 4.75% | 2022-2021 vehicles. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| up to 24 months | 3.75% | 2019-2020 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 25–36 months | 4.00% | 2019-2020 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 37–48 months | 4.25% | 2019-2020 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 49–63 months | 4.75% | 2019-2020 vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 64–75 months | 5.25% | 2019-2020 vehicles. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| up to 24 months | 5.25% | 2018 or older vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 25–36 months | 5.50% | 2018 or older vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 37–48 months | 5.75% | 2018 or older vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 49–63 months | 6.25% | 2018 or older vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
| 64–75 months | 6.75% | 2018 or older vehicles. Vehicle value must be greater than $15,000 in order to qualify for 75 month financing. APR as low as. Includes discount for UICCU checking account holders with direct deposit. |
Sources (3)
All captured Oct 6, 2026
Who can join U of I Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals can join based on their home address.
Employers and groups
- Individuals can join through their employer.
Family and household
- Individuals can join through another member.
Other ways
- Individuals can join through The Community Impact Fund.
Cost to join
- Join for just $1.
Membership information collected October 5, 2026.