Consumers Credit Union
Consumers Credit Union — auto refi from 3.99% APR with the Car Buying Service discount and a published rate grid by term and model year.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Consumers Credit Union does not publish this on their public site. "No restriction" means Consumers Credit Union explicitly states no limit.
Overview
Consumers Credit Union (myconsumers.org) publishes a full auto rate grid that also applies to refinancing. Pricing is tiered by term band (up to 60, 61–72, 73–84 months) and model-year band (2025+, 2023–2024, 2020–2022, 2019 and older), with rates effective May 4, 2026.…
What’s great
- Fully published APR grid by term and model year
- 0.50% rate discount via the CCU Car Buying Service
- Floor APR of 3.99% on newest vehicles and short terms
- Skip up to two loan payments per year
What to know
- Membership required
- No lease buyouts or private-party purchases
- Lowest tier requires Car Buying Service + 2025+ vehicle + up to 60-month term
- FICO floor, mileage cap, vehicle-age cap, and state availability not disclosed
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 3.99% – 9.99% (Floor 3.99% APR requires Car Buying Service + 2025+ vehicle + up to 60-month term + autopay. Ceiling 9.99% APR is 2019-and-older vehicles on 73–84 month terms without Car Buying Service. Rates effective May 4, 2026.) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | CCU membership required; open via standard credit union eligibility (Illinois plus broad employer/community/family channels) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Consumers Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Consumers Credit Union before applying.
- [1]Consumers Credit Union — Auto Loans (rates effective May 4, 2026): full APR grid by term tier (up to 60, 61–72, 73–84 mo) and model-year tier (2025+, 2023–2024, 2020–2022, 2019 and older), 0.50% Car Buying Service discount, no lease buyouts or private-party purchases — Consumers Credit Unionhttps://www.myconsumers.org/loans/auto-loansLast checked: September 2026