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Car & Auto Loan

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Ideal CU Auto Loans

The car lots are open and Ideal CU's auto rates are low. Let us help you get behind the wheel of something new this spring. Plus you'll enjoy no payments for the first 90 days as part of our initiative to alleviate the financial impact many are facing as a result of COVID-19 (coronavirus).

Remember, you can apply for vehicle financing using our online application and complete the entire process without ever having to visit a branch.

Auto Loans

Questions on your current loan?

Rates as of:
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2016 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $42.87 per month per $1,000 borrowed for 24 months at 2.74% APR. Rates are subject to change at any time. Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2017 - 2020 and minimum loan amount must be $30,000. Max LTV is 105%. Title transfer fee may apply on refinances. Skipping payments for the first 90 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 90 days of the date your loan is funded.
2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2021)
Friday, January 1st
All locations closed

 

Rates as of:
2016 -2020**APR as low as*
Up to 24 months 2.74%
Up to 36 months 2.99%
Up to 48 months 3.09%
Up to 60 months 3.29%
Up to 72 months 3.49%
Up to 84 months (must be 2017 -2020**) 4.29%
2014 - 2015 APR as low as*
Up to 24 months 3.19%
Up to 36 months 3.29%
Up to 48 months 3.39%
Up to 60 months 3.59%
Up to 72 months 3.79%
2010 - 2013**  APR as low as*
Up to 24 months 4.54%
Up to 36 months 4.79%
Up to 48 months 5.04%
Up to 60 months 5.29%
2009 and older**  
Vehicles 10 years and older will be priced at Recreational Vehicle Rates (Untitled Units plus 1% up to 48 months)
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2016 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $42.87 per month per $1,000 borrowed for 24 months at 2.74% APR. Rates are subject to change at any time.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2017 - 2020 and minimum loan amount must be $30,000. Max LTV is 105%.