Auto Loans · Alton, Illinois
3 credit unions in Alton report car loan rates to the NCUA. Rates range from 4.67% to 12.11%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.67%
Lowest New Car Rate
7.26%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ALTON MUNICIPAL EMPLOYEES ★ 5.0 · 8 reviews | 4.67% | 6.93% |
| 2 | ALTONIZED COMMUNITY ★ 3.2 · 22 reviews | 4.99% | 4.99% |
| 3 | STATE EMPLOYEES COMMUNITY ★ 5.0 · 8 reviews | 12.11% | 24.74% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALTONIZED COMMUNITY ★ 3.2 · 22 reviews | 4.99% | 4.99% |
| 2 | ALTON MUNICIPAL EMPLOYEES ★ 5.0 · 8 reviews | 6.93% | 4.67% |
| 3 | STATE EMPLOYEES COMMUNITY ★ 5.0 · 8 reviews | 24.74% | 12.11% |
A pre-approval from a Alton 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 Alton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.