Credit union · NCUA insured
Vicinity Credit Union Auto Loan Rates
Vicinity Credit Union auto loans start at 5.70% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Vicinity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Vicinity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vicinity Credit Union
5.70%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto (2026 -and Newer)
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vicinity Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.70%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vicinity 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 Auto (2026 -and Newer)
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. NEW Vehicles: Up to 100% Financing, if you qualify. Cash Purchase price includes taxes, license, title, warranty and Gap insurance. New Vehicle is defined as a vehicle that has not been titled.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.95% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 5.70% | — |
| up to 72 months | 5.80% | — |
| up to 84 months | 6.25% | — |
Sources (1)
- vicinitycreditunion.com/rates · captured Oct 16, 2026
Used Auto (2024 and Older)
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. USED Vehicles model year 2019 – 2020: Up to 100% of NADA Average Retail, if you qualify, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license , title, Extended Warranty, Gap insurance, etc. Used Vehicles model 2017 and older: Up to 100% of the average trade- in value, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license, title, warranty and Gap insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.30% | Applies to Used (2024 - 2023) |
| up to 60 months | 6.60% | Applies to Used (2022 - older) |
Sources (1)
- vicinitycreditunion.com/rates · captured Oct 16, 2026
Used Auto (2025-2026)
Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. USED Vehicles model year 2019 – 2020: Up to 100% of NADA Average Retail, if you qualify, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license , title, Extended Warranty, Gap insurance, etc. Used Vehicles model 2017 and older: Up to 100% of the average trade- in value, LESS: High Mileage Adjustment. Cash Purchase price includes taxes, license, title, warranty and Gap insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | — |
| up to 48 months | 5.80% | — |
| up to 60 months | 6.00% | — |
| up to 72 months | 6.10% | — |
| up to 84 months | 6.55% | — |
Sources (1)
- vicinitycreditunion.com/rates · captured Oct 16, 2026
Who can join Vicinity 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 who live, work, or worship in Cook County, Illinois are eligible for membership.
Employers and groups
- Individuals who qualify through their employer are eligible for membership.
Family and household
- Relatives (child, stepchild, parent, step parent, spouse, sibling, step sibling) of a current member are eligible for membership.
Cost to join
- Opening a membership account requires a $25 opening deposit into a Regular Share Savings account, which must maintain a $25 minimum balance at all times.
Membership information collected October 5, 2026.