Auto Loans · Bloomington, Illinois
5 credit unions in Bloomington report car loan rates to the NCUA. Rates range from 3.59% to 5.23%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.59%
Lowest New Car Rate
4.42%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BLOOMINGTON MUNICIPAL ★ 4.8 · 5 reviews | 3.59% | 4.39% |
| 2 | THE CREDIT UNION FOR ALL ★ 3.9 · 48 reviews | 4.18% | 6.07% |
| 3 | STATE FARM ★ 2.9 · 93 reviews | 4.49% | 4.49% |
| 4 | BLOOMINGTON POSTAL EMPLOYEES ★ 2.8 · 43 reviews | 4.59% | 5.99% |
| 5 | IAA ★ 4.3 · 41 reviews | 5.23% | 6.17% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BLOOMINGTON MUNICIPAL ★ 4.8 · 5 reviews | 4.39% | 3.59% |
| 2 | STATE FARM ★ 2.9 · 93 reviews | 4.49% | 4.49% |
| 3 | BLOOMINGTON POSTAL EMPLOYEES ★ 2.8 · 43 reviews | 5.99% | 4.59% |
| 4 | THE CREDIT UNION FOR ALL ★ 3.9 · 48 reviews | 6.07% | 4.18% |
| 5 | IAA ★ 4.3 · 41 reviews | 6.17% | 5.23% |
A pre-approval from a Bloomington 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 Bloomington in the same window and take the best offer.
See member reviews, branch locations, and full rate details.