Area Educational Credit Union
Verified rate book
Current Area Educational Credit Union rates
21 published offers verified as of August 4, 2026.
Auto & vehicle rates
17 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Cars (rates as of 03/18/2026) (36 months)auto_new_36mo | 3.500% APR | 3.500% | 36 mo · new | Standard |
| New Auto Loanauto_new | 3.500% APR | 3.500% | new | Standard |
| Auto Loanauto | 3.500% APR | 3.500% | — | Standard |
| 36-Month Used Auto Loan (2025–2026)auto_used_36mo | 3.900% APR | 3.900% | 36 mo · used | Standard |
| Used Auto Loanauto_used | 3.900% APR | 3.900% | used | Standard |
| New Cars (rates as of 03/18/2026) (48 months)auto_new_48mo | 3.900% APR | 3.900% | 48 mo · new | Standard |
| New Cars (rates as of 03/18/2026) (60 months)auto_new_60mo | 4.500% APR | 4.500% | 60 mo · new | Standard |
| 48-Month Used Auto Loan (2025–2026)auto_used_48mo | 4.500% APR | 4.500% | 48 mo · used | Standard |
| 24-Month Used Auto Loan (2023–2024)auto_used_24mo | 4.500% APR | 4.500% | 24 mo · used | Standard |
| Powersports Loanpowersports | 4.500% APR | 4.500% | — | Standard |
| 36-Month Used Auto Loan (2023–2024)auto_used_36mo | 4.900% APR | 4.900% | 36 mo · used | Standard |
| New Cars (rates as of 03/18/2026) (72 months)auto_new_72mo | 4.900% APR | 4.900% | 72 mo · new | Standard |
| 60-Month Used Auto Loan (2025–2026)auto_used_60mo | 4.900% APR | 4.900% | 60 mo · used | Standard |
| 72-Month Used Auto Loan (2025–2026)auto_used_72mo | 5.500% APR | 5.500% | 72 mo · used | Standard |
| 48-Month Used Auto Loan (2023–2024)auto_used_48mo | 5.500% APR | 5.500% | 48 mo · used | Standard |
| 60-Month Used Auto Loan (2023–2024)auto_used_60mo | 5.900% APR | 5.900% | 60 mo · used | Standard |
| New Cars (rates as of 03/18/2026) (Term)auto_new | 20.000% APR | 20.000% | new | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 72-Month Share-Secured Loanpersonal_secured_72mo | 3.500% APR | 3.500% | 72 mo | Standard |
Savings & CD rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Savingssavings | 2.01% APY | 2.01% | — | Standard |
| IRAsira | 2.26% APY | 2.26% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| FEATURED RATESother | 3.500% % | 3.500% | — | Standard |
Vehicle loans available from 3.5% APR for 36 months. Personal loan rates from 3.5% APR. Savings and certificate yields up to 2.26% APY.
Source: RateAPI.dev, verified from Area Educational Credit Union's official website
Loading branch locator…
About Area Educational Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.3K
- Assets
- $33.2M
- Founded
- 1960
- Locations reported
- 1
- NCUA charter
- 62500
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Electronic statements
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Area Educational Credit Union
Membership eligibility from Area Educational Credit Union's own published criteria. How we verify this.
Membership via employers (Arthur-Lovington school district +15 more)
- EmployerArthur-Lovington school district, Charleston school district, Cumberland school district, EIASE school district, Kansas school district, Lake Land College, Martinsville school district, Mattoon school district, Neoga school district, Oakland school district, Okaw Valley school district, Regional Office of Ed., Shelbyville school district, Sullivan school district, Tuscola school district, Windsor school district
Cost to join: About $5.
Verified from Area Educational Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Area Educational Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Area Educational Credit Union ranks against Illinois peers.
Frequently Asked Questions
What rates does Area Educational Credit Union offer?
Area Educational Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Area Educational Credit Union rates updated?
RateAPI verifies Area Educational Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Area Educational Credit Union's rate data?
Rate data is collected directly from Area Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Area Educational Credit Union's auto & powersports loan rates?
As of August 4, 2026, Area Educational Credit Union offers vehicle loans from 3.5% APR.
What is Area Educational Credit Union's personal loan rate?
As of August 4, 2026, Area Educational Credit Union offers personal loans from 3.5% APR.
What is Area Educational Credit Union's best CD rate?
As of August 4, 2026, Area Educational Credit Union offers savings and certificate (CD) yields up to 2.26% APY.
Related Rate Data
Compare Area Educational Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Area Educational Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Area Educational Credit Union
curl "https://api.rateapi.dev/credit-unions/illinois/area-educational" \
-H "Authorization: Bearer YOUR_API_KEY"