Credit union · NCUA insured
Western Springs Federal Credit Union Auto Loan Rates
Western Springs Federal Credit Union auto loan rates start at 3.25% APR. Rates checked October 16, 2026.
How Western Springs Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Western Springs Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Western Springs Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
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
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 Car
Rates available to current members only; all loans subject to approval. Maximum loan $55,000. No processing or application fees.
| Terms | APR | Conditions |
|---|---|---|
| 48–60 months | 3.25% | 48 or 60 months. |
| up to 72 months | 4.25% | 72 months. |
Used Car - 2019 model or older
Rates available to current members only; all loans subject to approval. Maximum loan $55,000. No processing or application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | 2019 model or older; 36 months. |
Sources (1)
- wsfcunion.com/products-and-rates · captured Oct 7, 2026
Used Car - 2020 - 2022
Rates available to current members only; all loans subject to approval. Maximum loan $55,000. No processing or application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | 2020-2022 model years; 36 months. |
| up to 48 months | 6.25% | 2020-2022 model years; 48 months. |
Sources (1)
- wsfcunion.com/products-and-rates · captured Oct 7, 2026
Used Car - 2023 model or newer
Rates available to current members only; all loans subject to approval. Maximum loan $55,000. No processing or application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | 2023 model or newer; 48 months. |
| up to 60 months | 5.75% | 2023 model or newer; 60 months. |
Sources (1)
- wsfcunion.com/products-and-rates · captured Oct 7, 2026
Who can join Western Springs Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of School Districts 101, 102, 105, 106, 107 and private schools in the Lyons Township area are eligible for membership.
Family and household
- Spouses and dependent children of members are eligible to join.
Cost to join
- Membership requires enrolling in payroll deduction or depositing $25 to establish a shares/savings account.
Membership information collected October 5, 2026.