Auto Loans · Joliet, Illinois
4 credit unions in Joliet report car loan rates to the NCUA. Rates range from 4.74% to 6.49%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.53%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NEW CENTURY ★ 4.1 · 37 reviews | 4.74% | 4.99% |
| 2 | JOLIET FIREFIGHTERS ★ 4.0 · 4 reviews | 4.82% | 6.03% |
| 3 | JOLIET MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews | 6.05% | 7.51% |
| 4 | NUMARK ★ 2.9 · 54 reviews | 6.49% | 6.75% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NEW CENTURY ★ 4.1 · 37 reviews | 4.99% | 4.74% |
| 2 | JOLIET FIREFIGHTERS ★ 4.0 · 4 reviews | 6.03% | 4.82% |
| 3 | NUMARK ★ 2.9 · 54 reviews | 6.75% | 6.49% |
| 4 | JOLIET MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews | 7.51% | 6.05% |
A pre-approval from a Joliet 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 Joliet in the same window and take the best offer.
See member reviews, branch locations, and full rate details.