What is the typical credit union auto loan rate in Illinois?

The median new auto loan rate Illinois credit unions reported on their Q2 2026 call reports was 4.99%, and the median used auto rate was 6.00%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Illinois

Illinois credit unions reported a median new auto loan rate of 4.99% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, 2 Rivers Area Credit Union reported the lowest, 2.90%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Illinois median	US median
New auto	4.99%	5.46%
Used auto	6.00%	6.32%
Credit card	10.90%	11.50%
Personal	11.44%	11.75%
Mortgage	5.75%	5.75%
Home equity	6.75%	6.75%

Lowest credit card rate reported in Illinois: Credit Union 1, 8.47%. Lowest first mortgage rate: Service Plus Credit Union, 2.50%. (Same size rules as the national rankings.)

Every Illinois credit union's reported rates

The 150 largest of 184 Illinois credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Alliant Credit Union	5.49%	5.84%	15.74%	7.49%	5.75%	3.99%
Citizens Equity First Credit Union	3.99%	4.14%	12.00%	9.50%	6.38%	6.75%
Baxter Credit Union	3.99%	4.99%	16.40%	9.99%	5.88%	6.50%
State Farm Federal Credit Union	4.49%	4.49%	–	9.49%	–	7.00%
Consumers Credit Union	6.24%	6.74%	13.20%	11.24%	6.50%	4.74%
Credit Union 1	5.24%	6.74%	8.47%	14.66%	6.75%	7.99%
I. H. Mississippi Valley Credit Union	6.39%	3.50%	11.90%	15.50%	7.00%	7.00%
Empeople Credit Union	4.74%	5.04%	15.00%	14.74%	5.25%	6.24%
Scott Credit Union	3.99%	4.44%	11.90%	11.50%	6.50%	6.75%
Great Lakes Credit Union	7.37%	8.85%	2.00%	14.67%	4.51%	7.44%
Vibrant Credit Union	6.25%	6.25%	–	9.90%	8.00%	8.00%
Selfreliance Federal Credit Union	4.69%	5.39%	9.90%	11.50%	5.38%	7.00%
Abbott Laboratories Credit Union	4.74%	5.24%	13.45%	11.75%	6.50%	6.75%
1st Midamerica Credit Union	4.99%	4.99%	9.90%	10.70%	6.25%	6.75%
Alero Financial Credit Union	5.95%	7.49%	12.61%	9.22%	5.98%	7.96%
Numark Credit Union	6.49%	6.75%	–	13.00%	6.88%	6.75%
University of Illinois Community Credit Union	5.11%	6.71%	12.52%	12.89%	5.66%	7.40%
R.i.a. Federal Credit Union	7.18%	8.17%	12.76%	12.79%	4.51%	7.45%
National Police Federal Credit Union	3.99%	2.99%	13.40%	18.00%	2.99%	7.25%
Financial Plus Credit Union	4.75%	5.75%	11.95%	11.75%	5.75%	6.50%
DuPage Credit Union	4.50%	5.50%	17.50%	11.24%	6.00%	7.00%
Siu Credit Union	4.99%	4.99%	9.99%	10.99%	6.75%	6.75%
Heartland Credit Union	4.64%	5.04%	–	12.90%	6.38%	7.00%
Revity Credit Union	4.49%	4.49%	9.90%	8.90%	5.88%	4.50%
Land of Lincoln Credit Union	4.75%	5.25%	–	10.00%	5.50%	6.75%
Healthcare Associates Credit Union	4.25%	4.25%	9.90%	12.90%	5.50%	6.50%
Earthmover Credit Union	5.19%	5.54%	12.90%	10.74%	5.88%	8.50%
Streator Onized Credit Union	6.10%	8.03%	11.74%	15.68%	4.48%	7.18%
Iaa Credit Union	5.20%	6.11%	9.81%	12.02%	4.78%	6.36%
Partnership Financial Credit Union	5.11%	5.77%	9.90%	14.79%	4.14%	5.50%
Abri Credit Union	4.09%	5.28%	13.15%	11.69%	4.36%	5.81%
Community Trust Credit Union	4.49%	5.24%	10.70%	13.24%	6.25%	6.50%
First Northern Credit Union	6.04%	6.04%	16.25%	11.99%	6.75%	6.75%
Decatur Earthmover Credit Union	4.75%	4.95%	9.50%	10.50%	6.25%	6.60%
Membersalliance Credit Union	6.00%	7.00%	8.90%	10.90%	6.00%	7.25%
Illiana Financial Credit Union	5.99%	5.99%	8.75%	13.50%	7.50%	8.25%
Illinois State Credit Union	4.24%	4.39%	9.90%	9.24%	6.37%	6.75%
Staley Credit Union	6.00%	6.00%	9.90%	12.90%	7.25%	7.99%
Midwest Members Credit Union	5.79%	7.24%	8.90%	10.90%	6.62%	6.50%
Catholic & Community Credit Union	4.50%	4.99%	9.90%	11.24%	6.75%	8.50%
Cooperative Choice Network Credit Union	4.68%	5.73%	9.90%	9.95%	6.00%	6.00%
Vicinity Credit Union	6.30%	6.60%	16.50%	16.00%	8.00%	8.25%
Cornerstone Credit Union	8.24%	7.74%	–	16.50%	6.50%	8.75%
Rock Valley Credit Union	5.78%	7.24%	–	13.51%	5.12%	6.65%
United Community Credit Union	4.99%	4.99%	12.50%	22.00%	5.00%	6.00%
Gas and Electric Credit Union	4.75%	5.25%	11.75%	12.90%	5.75%	7.95%
Commonwealth Credit Union	5.56%	6.48%	–	9.43%	4.59%	6.95%
Illinois State Police Federal Credit Union	4.99%	5.24%	12.65%	12.64%	5.88%	7.49%
Central Credit Union of Illinois	5.50%	6.00%	9.90%	9.90%	5.50%	7.39%
Illinois Educators Credit Union	5.54%	7.28%	13.00%	11.98%	4.32%	7.73%
Landmark Credit Union	5.97%	6.42%	11.01%	12.52%	6.37%	4.56%
A.a.e.c. Credit Union	4.99%	6.99%	11.90%	8.99%	3.00%	6.50%
Members First Community Credit Union	5.93%	8.08%	9.77%	12.86%	4.82%	8.10%
Chicago Firefighter's Credit Union	4.00%	4.50%	9.11%	8.00%	–	6.75%
Taylorville Community Credit Union	6.61%	8.06%	9.99%	10.63%	5.82%	6.36%
The Credit Union for All	4.11%	5.90%	9.99%	12.73%	3.50%	7.52%
Metro Federal Credit Union	5.19%	5.69%	10.80%	10.99%	7.24%	7.49%
Select Employees Credit Union	3.74%	3.49%	8.20%	9.41%	2.70%	7.50%
Midwest Coalition of Labor Credit Union	6.26%	7.22%	12.00%	15.34%	3.93%	6.65%
Education Personnel Federal Credit Union	5.89%	7.89%	9.90%	12.89%	4.89%	–
Gale Credit Union	4.35%	5.38%	12.70%	18.50%	5.75%	6.75%
Northwest Community Credit Union	5.00%	6.00%	12.94%	8.00%	6.50%	6.50%
United Equity Credit Union	5.50%	6.00%	14.00%	12.50%	3.10%	9.35%
Moline Municipal Credit Union	4.40%	5.25%	9.99%	11.90%	5.75%	5.75%
Acme Continental Credit Union	4.90%	5.59%	9.07%	10.01%	6.17%	6.75%
Fieldstone Credit Union	5.06%	6.99%	12.99%	13.47%	4.24%	7.11%
New Century Federal Credit Union	4.74%	4.99%	8.80%	10.90%	6.49%	6.74%
Access Credit Union	5.65%	5.65%	10.80%	9.25%	6.75%	6.75%
Galesburg Burlington Credit Union	4.59%	5.19%	11.90%	12.90%	5.04%	–
Altonized Community Federal Credit Union	4.99%	4.99%	9.90%	12.90%	8.50%	8.50%
Riverside Community Credit Union	5.00%	5.75%	10.00%	8.00%	5.00%	5.00%
Maroon Financial Credit Union	6.23%	7.13%	10.91%	11.25%	4.29%	7.46%
Bloomington Municipal Credit Union	3.59%	4.39%	10.84%	9.29%	–	–
Fox Valley Credit Union	5.54%	10.10%	12.99%	12.86%	4.85%	7.63%
Streator Community Credit Union	5.63%	8.58%	12.40%	12.63%	4.24%	–
Northwest Municipal Federal Credit Union	4.36%	5.01%	7.78%	8.75%	–	6.00%
Planites Credit Union	7.00%	7.47%	10.03%	14.83%	4.69%	8.11%
Blackhawk Area Credit Union	3.70%	4.55%	10.79%	13.83%	6.18%	6.75%
Sherwin Williams Emp. Credit Union	6.61%	7.52%	10.08%	13.30%	3.22%	6.46%
Illinois Valley Credit Union	4.75%	6.75%	12.90%	9.95%	5.50%	5.50%
Service Plus Credit Union	5.50%	5.50%	8.90%	11.25%	2.50%	6.75%
Canals & Trails Credit Union	4.60%	6.38%	8.90%	14.81%	2.60%	5.77%
Area Educational Credit Union	3.90%	4.90%	–	12.00%	–	–
Siue Credit Union	5.25%	6.24%	11.90%	12.09%	4.03%	7.75%
Elca Federal Credit Union	3.99%	4.89%	14.99%	7.99%	5.98%	6.74%
River To River Credit Union	5.10%	6.50%	–	10.90%	–	–
Kaskaskia Valley Community Credit Union	4.50%	6.30%	6.90%	6.90%	–	4.50%
Community Plus Federal Credit Union	6.50%	6.50%	9.99%	13.25%	7.50%	8.00%
Chicago Post Office Employees Credit Union	7.31%	8.27%	12.90%	16.90%	–	–
2 Rivers Area Credit Union	2.90%	4.50%	13.44%	10.00%	–	–
Elite Community Credit Union	4.68%	6.84%	13.89%	19.86%	8.29%	6.92%
Aurora Policemen Credit Union	5.12%	6.46%	8.50%	10.65%	6.00%	–
Central Illinois Credit Union	3.40%	3.40%	11.75%	9.40%	–	–
Western Illinois School Employees Credit Union	4.50%	4.50%	–	9.90%	–	–
Tee-Pak Credit Union	3.49%	4.49%	10.90%	7.99%	3.25%	–
Rockford Municipal Employees Credit Union	4.40%	5.29%	8.90%	9.43%	–	6.52%
Advantage One Credit Union	4.89%	6.04%	10.98%	7.00%	5.11%	6.75%
Generations Credit Union	5.49%	6.39%	8.90%	13.00%	6.00%	6.99%
Chicago Firemans Assoc Credit Union	4.50%	4.25%	–	8.25%	–	6.75%
Harvard Community Credit Union	4.25%	4.25%	–	4.25%	4.25%	4.25%
Kone Employees Credit Union	4.90%	5.40%	8.90%	10.00%	–	–
Bloomington Postal Employees Credit Union	4.59%	5.99%	9.90%	12.00%	–	–
Northern Illinois Federal Credit Union	4.75%	4.75%	–	9.90%	5.90%	5.90%
Dupage County Employees Credit Union	4.99%	5.99%	–	8.99%	–	–
77th Street Depot Federal Credit Union	8.90%	8.90%	–	18.00%	–	–
Linxus Credit Union	4.50%	5.50%	–	11.00%	–	–
Cbi Federal Credit Union	6.37%	6.55%	10.62%	12.56%	3.53%	5.61%
Ambraw Federal Credit Union	5.38%	8.31%	–	11.94%	–	–
Ottawa Hiway Credit Union	6.25%	7.50%	9.90%	9.95%	–	7.25%
Peoria Postal Employees Credit Union	4.74%	4.94%	–	10.99%	–	–
Blaw-Knox Credit Union	4.99%	6.32%	–	10.45%	–	–
Springfield City Employees Credit Union	4.50%	5.25%	10.00%	14.75%	–	–
Financial Partners Credit Union	3.99%	5.99%	9.99%	11.00%	–	4.00%
Maternity B.v.m. Credit Union	4.00%	5.00%	–	6.00%	–	–
Paris Hi-Way Credit Union	4.50%	5.75%	–	9.50%	–	–
Joliet Municipal Employees Federal Credit Union	5.56%	7.55%	11.99%	11.50%	–	–
South Shop Federal Credit Union	3.99%	6.50%	11.88%	15.00%	–	–
Funeral Service Credit Union	6.51%	7.01%	9.40%	13.71%	–	–
Chicago's Bravest Credit Union	5.21%	5.71%	–	11.32%	–	–
Kankakee Federation of Teachers Credit Union	4.25%	5.25%	–	15.00%	–	–
Anco Community Credit Union	4.87%	5.78%	10.99%	10.90%	4.90%	–
Evergreen Park Schools Federal Credit Union	4.73%	6.58%	–	8.29%	–	–
Chicago Area Office Federal Credit Union	3.49%	5.49%	12.40%	13.05%	–	–
Metropolitan L Federal Credit Union	7.90%	12.50%	14.90%	15.00%	–	–
Cta-74th Street Depot Federal Credit Union	5.14%	6.58%	–	12.77%	–	–
Pontiac Dwight Prison Employs Credit Union	4.17%	4.17%	–	18.00%	–	–
Joliet Firefighters Credit Union	4.91%	5.87%	–	8.00%	–	–
Burlington Northern Santa Fe Railwy Credit Union	9.34%	10.54%	16.92%	10.14%	–	–
State Employees Community Credit Union	13.22%	24.79%	–	40.22%	–	–
Peoria Hiway Credit Union	5.57%	7.40%	–	12.54%	–	–
Molex Employees Federal Credit Union	4.60%	6.00%	–	13.70%	–	–
Decatur Postal Credit Union	5.94%	7.43%	–	10.61%	–	–
Peoria City Employees Credit Union	3.75%	4.50%	12.00%	6.00%	–	–
Peoria Bell Credit Union	4.00%	4.25%	–	6.75%	–	–
Effingham Highway Credit Union	5.00%	7.00%	–	17.00%	–	–
South Side Community Federal Credit Union	5.50%	8.75%	–	10.00%	6.00%	–
Carbondale Highway Credit Union	5.25%	5.25%	11.90%	9.99%	–	–
A.s.h. Employees Credit Union	4.50%	6.50%	7.90%	9.40%	–	–
Decatur Policemen Credit Union	4.25%	4.75%	–	10.00%	–	–
I.b.e.w. Local #146 Credit Union	5.08%	6.41%	–	9.11%	–	–
Northside L Federal Credit Union	7.00%	10.00%	17.00%	15.00%	–	–
Urbana Municipal Employees Credit Union	6.15%	8.40%	–	12.20%	–	–
Oak Lawn Municipal Employees Credit Union	4.30%	5.79%	–	8.75%	–	–
Peoria Fire Fighters Credit Union	5.00%	6.00%	–	16.00%	–	–
Normal City Employees Federal Credit Union	3.99%	4.99%	–	10.00%	–	–
Chicago Avenue Garage Federal Credit Union	–	–	–	18.00%	–	–
Trinity U.c.c. Federal Credit Union	–	–	–	10.00%	–	–
Western Springs Federal Credit Union	3.81%	5.66%	–	10.52%	–	–
Springfield Firefighters Credit Union	–	–	–	12.00%	–	–
Hershey Robinson Employees Credit Union	2.90%	6.75%	–	15.00%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Illinois credit unions · Lowest rates nationally