Auto Loans · Champaign, Illinois
3 credit unions in Champaign report car loan rates to the NCUA. Rates range from 3.40% to 5.21%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
3.40%
Lowest New Car Rate
4.53%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CENTRAL ILLINOIS ★ 4.2 · 28 reviews | 3.40% | 3.40% |
| 2 | CLIFFORD-JACOBS EMPLOYEES | 4.99% | 12.00% |
| 3 | UNIVERSITY OF ILLINOIS COMMUNITY ★ 4.7 · 824 reviews | 5.21% | 6.62% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CENTRAL ILLINOIS ★ 4.2 · 28 reviews | 3.40% | 3.40% |
| 2 | UNIVERSITY OF ILLINOIS COMMUNITY ★ 4.7 · 824 reviews | 6.62% | 5.21% |
| 3 | CLIFFORD-JACOBS EMPLOYEES | 12.00% | 4.99% |
A pre-approval from a Champaign 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 Champaign in the same window and take the best offer.
See member reviews, branch locations, and full rate details.