New & Used Vehicle Loans | Credit Union 1

Auto Loan Rates

2024 + Newer Auto
36-72 Months 5.49% APR ¹ More Info Disclosures

2024 + Newer Auto
73-84 Months 5.99% APR ¹ More Info Disclosures

2019-2021 Auto
36 - 72 Months 9.49% APR ¹ More Info Disclosures

Apply

Start by applying for pre-approval. Credit Union 1’s convenient online application means you can apply for pre-approval on your schedule and get financing options quickly.

Choose

Shop for the right car for you. With your financing in line thanks to Credit Union 1’s pre-approval, you will know how much car you can afford and dealerships will know you are a serious buyer.

Drive

When you are ready to purchase the vehicle, simply reach out to us to finalize the loan documents.

Auto Loan Refinancing

Already in a car you love? Unlock new savings by refinancing your current auto loan with Credit Union 1. Refinancing your auto loan can mean lower monthly payments and reduced interest rates that increase your monthly cash flow and savings over the life of your loan. Take control of your finances and drive towards a brighter financial future.

Apply Now

Drive Away with Extra Cash

Cash-out refinancing² can turn the equity in your auto loan into funds for your future! With cash-out refinancing, you can put extra cash in your pocket to consolidate debt, pay for a major life event, or handle emergency expenses, while sticking to a monthly payment and interest rate that works for your budget long-term.

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Online

A simple, self-service option to open your Auto Loan quickly, at your convenience.

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In Person

Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.

Find a Location

Have Questions?

Our Member Solutions Specialists are available to answer questions over the phone Monday through Friday, 9:00am - 6:00pm CST.

Call 888.698.7519

Christian helped me enroll in Zelle’s mobile banking. He was courteous and knowledgeable about my need resolved my problem. Great job.

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I am so happy I found this branch. Not only am I able to link my other credit union's account here, I opened a high yield checking account with Credit Union 1. I received excellent customer service from Chasen Hernandez and Nieves Lagunas. They answered all my questions in addition to being kind and professional. Thank you!

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Love to customer service

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After the recent merger, I was having issues linking my accounts and making payments. I visited the Matteson location where Andrea went above and beyond to be helpful and provide stellar customer service! I truly appreciate all of the assistance I received. You rock, Andrea!

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Dria gave me an impeccable service a smile a personality and her knowledge made the transition super smooth. Therefore I want to recognize her as a great great relationship banker.

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As an older customer , remembering days when banks remembered you and greeted you with a big hello and a smile, taking care of banking business and answering questions ( that were important ) with patients and understanding is what I feel and get when I deal with your teller Megan. Thank you for having her there for your customers. Some times that maybe the only bring spot of someone’s day. Thank ... See More

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Kim is very helpful she break everything down to you, and help you in any way that she can..She even helped me on her off days

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Worked With Gwen Her Service Was Great Service ❤️

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Samarie was very professional and helpful.

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I would like to give a shout out to Leslie for her outstanding customer service. She was kind, patient, and professional. I truly appreciate her assistance with helping me set up a new account. She explained everything. And, it was easy to understand. She is a great asset to CU1 !! Thanks, Irene

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Read all the reviews about Christian and everyone else here and I had to see for myself if the service was that good! Christian did not disappoint! Helped me open up my business account! Followed up and made sure to answer all my questions. Looking forward to my business growing here!

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Odaliz and Priscilla were amazing and so sweet, first time ever opening a banking account and Priscilla help me with everything and was so patient and kind!!! Odaliz helped with putting everything away and honestly was the best I was nervous at first but everything went so well Thank you guys !!! 🩷

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Chris is soo cute. He is so efficient and helpful.!!!!

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Christian He a Awesome employee I thank him for his service Such a kind man KEEP HIM

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Willetta opened my checking account, she was very nice and knowledgeable!! She opened my account in a timely manner. I would highly recommend coming to Credit Union 1 to open an account.

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Additional Coverage

Debt Protection

Financial Protection for the unexpected – protect the ones that matter most. CU1 Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events.

Get Details

GAP

Guaranteed Asset Protection (GAP) protects your finances if the value of your vehicle is less than the amount of your car loan.

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Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage can help deflect some risk of costly future, covered repairs keeping your vehicle running extra miles and extra years.

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Auto Insurance

Receive affordable top-quality protection and enjoy discounted rates combined with online convenience and 24/7 claims service.

Get Details

^1.

Rate discounts are available to qualified borrowers. Ask an employee for details. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 5.49% APR. There is a $49 Processing Fee on all new auto loans (2024 and newer). There is a $124 Processing Fee on all used auto loans (2023 and older).

Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.83. An Auto Loan of $20,000 at 5.99% APR for a 84-month term would result in a monthly payment of approximately $292.08. An Auto Loan of $20,000 at 9.49% APR for a 72-month term would result in a monthly payment of approximately $365.39. An Auto Loan of $20,000 at 9.99% APR for a 72-month term would result in a monthly payment of approximately $370.42. An Auto Loan of $20,000 at 10.49% APR for a 60-month term would result in a monthly payment of approximately $429.78.

^2.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval.

This offer does not apply to the refinancing of existing Credit Union 1 loans, or for the purchase of a vehicle. To be eligible for an Auto Cash Out Refinance Loan, the vehicle must be 10 years old or newer with a maximum of 125,000 miles at the time of loan origination, the vehicle must be in your name, and you must be able to provide the original title. There is a minimum loan amount of $5,000. There is a maximum Loan -to-Value (LTV) of 80%. Rate discounts are available to qualified borrowers. Ask an employee for details. There is a minimum 36-month term with a maximum 60-month term. There is a floor rate of 6.49% APR, rates may range up to 16.49% APR depending on model year and credit score. There is a $49 Processing Fee on all new auto loans (2024 and newer). There is a $124 Processing Fee on all used auto loans (2023 and older). APR = Annual Percentage Rate. Best Credit Financing Example: An Auto Loan of $20,000 at 6.49% APR for a 36-month term would result in a monthly payment of approximately $612.89. An Auto Loan of $20,000 at 6.49% APR for a 60-month term would result in a monthly payment of approximately $391.23.

Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10.

Auto Loan Rates

Apply

Choose

Drive

Auto Loan Refinancing

Drive Away with Extra Cash

Apply Now

Online

In Person

Have Questions?

Additional Coverage

Debt Protection

GAP

Mechanical Repair Coverage (MRC)

Auto Insurance

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

Learn

About

Resources

Auto Loans

Get the car you want with terms that fit your finances.

Auto Loan Rates

Apply

Choose

Drive

Auto Loan Refinancing

Drive Away with Extra Cash

Apply Now

Online

In Person

Have Questions?

Additional Coverage

Debt Protection

GAP

Mechanical Repair Coverage (MRC)

Auto Insurance

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. Learn More

Bank With Us

Learn

About

Resources