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Car & Auto Loan

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Ideal CU Auto Loans

Rates as of:
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2017 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 $42.78 per month per $1,000 borrowed for 24 months at 2.54% 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 or newer and minimum loan amount must be $30,000. LTV restrictions may apply. 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.
2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.


President's Day
Monday, February 15th
All locations closed.


Good Friday
Friday, April 12th
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 31st
All locations closed.


Independence Day
Sunday, July 4th
All locations closed.


Labor Day
Monday, September 6th
All locations closed.


Columbus Day
Monday, October 11th
All locations closed.


Veterans Day
Thursday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 25th
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
Friday, 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
Saturday, December 25th
All locations closed.


New Year's Eve
Friday, December 31st
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)
Saturday, January 1st
All locations closed

 

Rates as of:
2017 and newer**APR as low as*
Up to 24 months 2.54%
Up to 36 months 2.79%
Up to 48 months 2.89%
Up to 60 months 3.09%
Up to 72 months 3.49%
Up to 84 months (must be 2018 or newer**) 4.29%
2015 - 2016 APR as low as*
Up to 24 months 2.99%
Up to 36 months 3.09%
Up to 48 months 3.19%
Up to 60 months 3.39%
Up to 72 months 3.79%
2011 - 2014**  APR as low as*
Up to 24 months 4.34%
Up to 36 months 4.59%
Up to 48 months 4.84%
Up to 60 months 5.09%
2010 and older**  
Priced at Untitled Units plus 0.80%. Up to 48 months.
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2017 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 $42.78 per month per $1,000 borrowed for 24 months at 2.54% 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 or newer and minimum loan amount must be $30,000. LTV restrictions may apply.