Credit union · NCUA insured
Whiting Refinery Federal Credit Union Auto Loan Rates
Top CarrotWhiting Refinery Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.94% for a used one. Rates checked October 15, 2026.
How Whiting Refinery Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Whiting Refinery Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Whiting Refinery Federal Credit Union
3.99%APR
- Terms
- 48–84 months
- Up to
- 9.74% APR
- Discount
- None included
Automobile / Vehicle Loans
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Whiting Refinery Federal Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.94%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Whiting Refinery Federal 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.
Automobile / Vehicle Loans
Eligibility requires membership (employees of BP Oil Co. and wholly owned subsidiaries in Whiting, Hammond, East Chicago, or Merrillville, IN; credit union employees; annuitants; and family members). Financed up to 100% with no down payment and no application fee. Rates and acceptance based on credit score and debt-to-income ratio.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 3.99%–9.74% | New & Used 2027-2025 Vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000. Up to 100% financing on new model year of purchase price plus dealer costs, or 100% KBB value on used. |
| 48–84 months | 4.94%–10.69% | Used 2024-2021 Vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000. WRFCU will finance up to 100% KBB Value on used vehicles. |
| 48–60 months | 4.94%–10.19% | Used 2020-2017 Vehicles. WRFCU will finance up to 100% KBB Value on used vehicles. |
Who can join Whiting Refinery Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.