Auto Loans · Bethalto, Illinois
2 credit unions in Bethalto report car loan rates to the NCUA. Rates range from 3.88% to 4.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.88%
Lowest New Car Rate
4.44%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | B.E.A. ★ 4.4 · 205 reviews | 3.88% | 6.17% |
| 2 | 1ST MIDAMERICA ★ 4.4 · 205 reviews | 4.99% | 4.99% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | 1ST MIDAMERICA ★ 4.4 · 205 reviews | 4.99% | 4.99% |
| 2 | B.E.A. ★ 4.4 · 205 reviews | 6.17% | 3.88% |
A pre-approval from a Bethalto credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Bethalto in the same window and take the best offer.
See member reviews, branch locations, and full rate details.