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Indiana Members Credit Union auto loan rates compared

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Indiana · Headquarters Indiana

Indianapolis, IN-based credit union; membership required

Rate page on imcu.com

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

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 5 rates

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

3.74%NewUp to 36 months

INChecked Nov 11, 2026

What the lender published

Model years 2026 or newer. Advertised as up to 36 months. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 3.74% from Indiana Members Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

4.24%New48 months

INChecked Nov 11, 2026

What the lender published

Model years 2026 or newer. Published for a 48-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 4.24% from Indiana Members Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

4.49%New60 months

INChecked Nov 11, 2026

What the lender published

Model years 2026 or newer. Published for a 60-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 4.49% from Indiana Members Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

4.74%New72 months

INChecked Nov 11, 2026

What the lender published

Model years 2026 or newer. Published for a 72-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 4.74% from Indiana Members Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

5.99%New84 months

INChecked Nov 11, 2026

What the lender published

Model years 2026 or newer. Published for an 84-month term. APR as low as; includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 5.99% from Indiana Members Credit UnionVisit lender ↗

UsedUsed car rates · 1 rate

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.Direct depositDirect deposit: The published rate requires direct deposit with the lender.

4.49%and upUsedTerm not listed

INChecked Nov 11, 2026

What the lender published

Model years 2024-2025. APR range 4.49%-6.74% across terms of 36 to 84 months; the page does not tie each rate to a term. Includes a 0.25% relationship discount with an IMCU checking account and direct deposit. Effective November 1, 2026.

Checked Nov 11, 2026Source imcu.com

Calculate payment at 4.49% from Indiana Members Credit UnionVisit lender ↗