Auto Loans · Pontiac, Illinois

Best Credit Union Car Loan Rates in Pontiac, Illinois

1 credit union in Pontiac report car loan rates to the NCUA. Lowest rate: 4.11%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

4.11%

Lowest New Car Rate

4.11%

City Average Rate

New Vehicle Loan Rates — Pontiac, Illinois

1 credit union sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	PONTIAC DWIGHT PRISON EMPLOYS ★ 5.0 · 5 reviews	4.11%	4.14%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Pontiac, Illinois

1 credit union sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	PONTIAC DWIGHT PRISON EMPLOYS ★ 5.0 · 5 reviews	4.14%	4.11%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Pontiac credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Pontiac in the same window and take the best offer.

Also Compare in Pontiac

Best Personal Loan Rates →Best Credit Card Rates →All of Illinois →

Browse All Credit Unions in Pontiac

See member reviews, branch locations, and full rate details.

Credit Unions in Pontiac →All of Illinois →