Vicinity Credit Union
Verified rate book
Current Vicinity Credit Union rates
15 published offers verified as of August 4, 2026.
Auto & vehicle rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto (2026 -and Newer) Up to 36 Monthsauto_new_36mo | 4.950% APR | 4.950% | 36 mo · new | Standard |
| Up to 36-Month Used Auto Loan (2025–2026)auto_used_36mo | 5.250% APR | 5.250% | 36 mo · used | Standard |
| New Auto (2026 -and Newer) Up to 48 Monthsauto_new_48mo | 5.500% APR | 5.500% | 48 mo · new | Standard |
| New Auto (2026 -and Newer) Up to 60 Monthsauto_new_60mo | 5.700% APR | 5.700% | 60 mo · new | Standard |
| Up to 48-Month Used Auto Loan (2025–2026)auto_used_48mo | 5.800% APR | 5.800% | 48 mo · used | Standard |
| New Auto (2026 -and Newer) Up to 72 Monthsauto_new_72mo | 5.800% APR | 5.800% | 72 mo · new | Standard |
| Up to 60-Month Used Auto Loan (2025–2026)auto_used_60mo | 6.000% APR | 6.000% | 60 mo · used | Standard |
| Up to 72-Month Used Auto Loan (2025–2026)auto_used_72mo | 6.100% APR | 6.100% | 72 mo · used | Standard |
| New Auto Up (2026-and Newer) Up to 84 Monthsauto_new_84mo | 6.250% APR | 6.250% | 84 mo · new | Standard |
| Up to 60-Month Used Auto Loan (2023–2024)auto_used_60mo | 6.300% APR | 6.300% | 60 mo · used | Standard |
| Up to 84-Month Used Auto Loan (2025–2026)auto_used_84mo | 6.550% APR | 6.550% | 84 mo · used | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| HELOC (Variable)heloc_variable | 8.000% APR | 8.000% | — | Standard |
| HELOC (Variable)heloc_variable | 9.250% APR | 9.250% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used (2022 - older) Up to 60 Monthsother | 6.600% % | 6.600% | — | Standard |
Auto loans available from 4.95% APR for 36 months. HELOC rates from 6.75% APR.
Source: RateAPI.dev, verified from Vicinity Credit Union's official website
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About Vicinity Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 17.6K
- Assets
- $201.2M
- Founded
- 1931
- Locations reported
- 3
- NCUA charter
- 60041
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online loan application
- Electronic statements
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
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 Vicinity Credit Union
Membership eligibility from Vicinity Credit Union's own published criteria. How we verify this.
Community charter: live/work in Cook, IL
- LocationCook — IL
- Employeremployer
Cost to join: About $25.
Verified from Vicinity Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Vicinity 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 Vicinity Credit Union ranks against Illinois peers.
Frequently Asked Questions
What rates does Vicinity Credit Union offer?
Vicinity Credit Union currently offers Auto loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Vicinity Credit Union rates updated?
RateAPI verifies Vicinity 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 Vicinity Credit Union's rate data?
Rate data is collected directly from Vicinity 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 Vicinity Credit Union's auto loan rates?
As of August 4, 2026, Vicinity Credit Union offers auto loans from 4.95% APR.
What is Vicinity Credit Union's HELOC rate?
As of August 4, 2026, Vicinity Credit Union offers home equity lines of credit from 6.75% APR.
Related Rate Data
Compare Vicinity 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 Vicinity Credit Union rates
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# Get rates for Vicinity Credit Union
curl "https://api.rateapi.dev/credit-unions/illinois/vicinity" \
-H "Authorization: Bearer YOUR_API_KEY"