Auto Loans · Chicago, Illinois
22 credit unions in Chicago report car loan rates to the NCUA. Rates range from 3.49% to 8.90%.
Updated Q1 2026 · NCUA Call Report data
22
CUs Reporting Rates
3.49%
Lowest New Car Rate
5.41%
City Average Rate
22 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ELCA ★ 4.0 · 4 reviews | 3.49% | 4.89% |
| 2 | CHICAGO AREA OFFICE ★ 5.0 · 4 reviews | 3.49% | 5.49% |
| 3 | ST. GREGORY PARISH ★ 5.0 · 1 reviews | 3.50% | 5.50% |
| 4 | NATIONAL POLICE ★ 4.6 · 541 reviews | 3.99% | 2.99% |
| 5 | CHICAGO FIREFIGHTER'S ★ 5.0 · 18 reviews | 4.00% | 4.50% |
| 6 | MWRD EMPLOYEES ★ 4.0 · 4 reviews | 4.28% | 5.80% |
| 7 | CHICAGO FIREMANS ASSOC ★ 4.4 · 16 reviews | 4.50% | 4.25% |
| 8 | SELFRELIANCE ★ 4.2 · 168 reviews | 4.69% | 5.39% |
| 9 | ALLIANT ★ 4.2 · 1,693 reviews | 4.99% | 5.14% |
| 10 | CTA-74TH STREET DEPOT ★ 4.4 · 10 reviews | 5.11% | 6.58% |
| 11 | CHICAGO'S BRAVEST ★ 5.0 · 7 reviews | 5.13% | 5.82% |
| 12 | ST. MARK ★ 1.0 · 1 reviews | 5.50% | 8.50% |
| 13 | SOUTH SIDE COMMUNITY ★ 4.7 · 40 reviews | 5.50% | 9.75% |
| 14 | ISRAEL METHCOMM | 6.00% | 7.50% |
| 15 | C T A F C ★ 5.0 · 1 reviews | 6.00% | 12.00% |
| 16 | FIRST NORTHERN ★ 4.6 · 47 reviews | 6.04% | 6.04% |
| 17 | MAROON FINANCIAL ★ 4.1 · 62 reviews | 6.27% | 7.43% |
| 18 | PARK MANOR CHRISTIAN CHURCH ★ 4.5 · 23 reviews | 6.50% | 5.50% |
| 19 | VICINITY ★ 2.9 · 78 reviews | 6.55% | 7.50% |
| 20 | PLANITES ★ 2.7 · 13 reviews | 7.05% | 7.48% |
| 21 | CHICAGO POST OFFICE EMPLOYEES ★ 3.1 · 29 reviews | 7.53% | 8.42% |
| 22 | 77TH STREET DEPOT ★ 4.4 · 27 reviews | 8.90% | 8.90% |
26 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NATIONAL POLICE ★ 4.6 · 541 reviews | 2.99% | 3.99% |
| 2 | CHICAGO FIREMANS ASSOC ★ 4.4 · 16 reviews | 4.25% | 4.50% |
| 3 | CHICAGO FIREFIGHTER'S ★ 5.0 · 18 reviews | 4.50% | 4.00% |
| 4 | ELCA ★ 4.0 · 4 reviews | 4.89% | 3.49% |
| 5 | ALLIANT ★ 4.2 · 1,693 reviews | 5.14% | 4.99% |
| 6 | FELLOWSHIP BAPTIST CHURCH ★ 4.8 · 406 reviews | 5.22% | — |
| 7 | SELFRELIANCE ★ 4.2 · 168 reviews | 5.39% | 4.69% |
| 8 | CHICAGO AREA OFFICE ★ 5.0 · 4 reviews | 5.49% | 3.49% |
| 9 | ST. GREGORY PARISH ★ 5.0 · 1 reviews | 5.50% | 3.50% |
| 10 | PARK MANOR CHRISTIAN CHURCH ★ 4.5 · 23 reviews | 5.50% | 6.50% |
| 11 | MWRD EMPLOYEES ★ 4.0 · 4 reviews | 5.80% | 4.28% |
| 12 | CHICAGO'S BRAVEST ★ 5.0 · 7 reviews | 5.82% | 5.13% |
| 13 | FIRST NORTHERN ★ 4.6 · 47 reviews | 6.04% | 6.04% |
| 14 | CTA-74TH STREET DEPOT ★ 4.4 · 10 reviews | 6.58% | 5.11% |
| 15 | COLLEGE AND UNIVERSITY | 7.05% | — |
| 16 | MAROON FINANCIAL ★ 4.1 · 62 reviews | 7.43% | 6.27% |
| 17 | PLANITES ★ 2.7 · 13 reviews | 7.48% | 7.05% |
| 18 | ISRAEL METHCOMM | 7.50% | 6.00% |
| 19 | VICINITY ★ 2.9 · 78 reviews | 7.50% | 6.55% |
| 20 | CHICAGO POST OFFICE EMPLOYEES ★ 3.1 · 29 reviews | 8.42% | 7.53% |
| 21 | ST. MARK ★ 1.0 · 1 reviews | 8.50% | 5.50% |
| 22 | 77TH STREET DEPOT ★ 4.4 · 27 reviews | 8.90% | 8.90% |
| 23 | SOUTH SIDE COMMUNITY ★ 4.7 · 40 reviews | 9.75% | 5.50% |
| 24 | COMMUNITY ★ 4.7 · 40 reviews | 9.99% | — |
| 25 | ST. HELENA PARISH ★ 5.0 · 1 reviews | 10.00% | — |
| 26 | C T A F C ★ 5.0 · 1 reviews | 12.00% | 6.00% |
A pre-approval from a Chicago 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 Chicago in the same window and take the best offer.
See member reviews, branch locations, and full rate details.