Auto Loans · Normal, Illinois
2 credit unions in Normal report car loan rates to the NCUA. Rates range from 3.99% to 4.24%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.12%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORMAL CITY EMPLOYEES | 3.99% | 4.99% |
| 2 | ILLINOIS STATE ★ 3.9 · 84 reviews | 4.24% | 4.39% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ILLINOIS STATE ★ 3.9 · 84 reviews | 4.39% | 4.24% |
| 2 | NORMAL CITY EMPLOYEES | 4.99% | 3.99% |
A pre-approval from a Normal 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 Normal in the same window and take the best offer.
See member reviews, branch locations, and full rate details.