Auto Loans · Springfield, Illinois
6 credit unions in Springfield report car loan rates to the NCUA. Rates range from 3.99% to 6.29%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.98%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FINANCIAL PARTNERS ★ 5.0 · 2 reviews | 3.99% | 5.99% |
| 2 | SPRINGFIELD CITY EMPLOYEES | 4.50% | 5.25% |
| 3 | HEARTLAND ★ 3.2 · 41 reviews | 4.64% | 5.04% |
| 4 | ILLINOIS STATE POLICE ★ 3.0 · 23 reviews | 4.99% | 5.24% |
| 5 | ILLINOIS EDUCATORS ★ 4.3 · 43 reviews | 5.45% | 7.21% |
| 6 | FUNERAL SERVICE | 6.29% | 6.86% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HEARTLAND ★ 3.2 · 41 reviews | 5.04% | 4.64% |
| 2 | ILLINOIS STATE POLICE ★ 3.0 · 23 reviews | 5.24% | 4.99% |
| 3 | SPRINGFIELD CITY EMPLOYEES | 5.25% | 4.50% |
| 4 | FINANCIAL PARTNERS ★ 5.0 · 2 reviews | 5.99% | 3.99% |
| 5 | FUNERAL SERVICE | 6.86% | 6.29% |
| 6 | ILLINOIS EDUCATORS ★ 4.3 · 43 reviews | 7.21% | 5.45% |
A pre-approval from a Springfield 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 Springfield in the same window and take the best offer.
See member reviews, branch locations, and full rate details.