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CEFCU auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with CEFCU. To apply, visit cefcu.com.

Illinois · Headquarters Illinois

Peoria-based credit union; membership required

Rate page on cefcu.com

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car loans · 1 rate

top credit tier

4.99%NewUp to 66 months

IL

Published as Up to 66 months, not as a single monthly term.

What the lender published

2024 and newer models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.

Checked Nov 11, 2026Source cefcu.com

UsedUsed car loans · 2 rates

top credit tier

5.14%UsedUp to 60 months

IL

Published as Up to 60 months, not as a single monthly term.

What the lender published

2022-2023 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 60 months.

Checked Nov 11, 2026Source cefcu.com

top credit tier

4.99%UsedUp to 66 months

IL

Published as Up to 66 months, not as a single monthly term.

What the lender published

2024-2025 models. Standard vehicle rate for well-qualified borrowers, up to 100% LTV; in-house refinances excluded. Rates as of November 11, 2026. Advertised as up to 66 months.

Checked Nov 11, 2026Source cefcu.com