Auto Loans · Rock Island, Illinois
2 credit unions in Rock Island report car loan rates to the NCUA. Rates range from 4.75% to 7.40%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.75%
Lowest New Car Rate
6.08%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GAS AND ELECTRIC ★ 4.8 · 128 reviews | 4.75% | 5.25% |
| 2 | R.I.A. ★ 3.9 · 7 reviews | 7.40% | 8.70% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GAS AND ELECTRIC ★ 4.8 · 128 reviews | 5.25% | 4.75% |
| 2 | R.I.A. ★ 3.9 · 7 reviews | 8.70% | 7.40% |
A pre-approval from a Rock Island 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 Rock Island in the same window and take the best offer.
See member reviews, branch locations, and full rate details.