Auto Loans · Quincy, Illinois
4 credit unions in Quincy report car loan rates to the NCUA. Rates range from 4.50% to 5.97%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.50%
Lowest New Car Rate
5.10%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WESTERN ILLINOIS SCHOOL EMPLOYEES ★ 5.0 · 3 reviews | 4.50% | 4.50% |
| 2 | QUINCY POSTAL EMPLOYEES | 4.95% | 5.95% |
| 3 | UNITED COMMUNITY ★ 4.1 · 30 reviews | 4.99% | 4.99% |
| 4 | MEMBERS "FIRST" COMMUNITY ★ 4.3 · 19 reviews | 5.97% | 8.19% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WESTERN ILLINOIS SCHOOL EMPLOYEES ★ 5.0 · 3 reviews | 4.50% | 4.50% |
| 2 | UNITED COMMUNITY ★ 4.1 · 30 reviews | 4.99% | 4.99% |
| 3 | QUINCY POSTAL EMPLOYEES | 5.95% | 4.95% |
| 4 | MEMBERS "FIRST" COMMUNITY ★ 4.3 · 19 reviews | 8.19% | 5.97% |
A pre-approval from a Quincy 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 Quincy in the same window and take the best offer.
See member reviews, branch locations, and full rate details.