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Consumers Credit Union auto loan rates

4.2/5 our editorial rating

Illinois credit union open to anyone, with auto loan rates set by vehicle model year and a discount for using its Car Buying Service.

Who can join: Anyone can join by joining the Consumers Cooperative Association; the one-time $5 fee is reimbursed for most new members.

Visit Consumers Credit Union Calculate payment
From APR
4.99%
Best advertised rate

This is the lowest APR Consumers Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
Up to 84
Months

Pick a repayment term of up to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Consumers Credit Union rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 4.99% Compare →
Used car 60 mo 5.49% Compare →

Pros

  • Anyone can join through the Consumers Cooperative Association
  • Extra 0.50% off when buying through the Car Buying Service
  • Rates published for 2019 and older vehicles too

Cons

  • No lease buyouts or private-party purchases
  • Listed rates assume automatic payment
  • No published refinance rate

How we rate lenders

Our 4.2/5 rating for Consumers Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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