Auto Loan Rates in Carmichael, California (CA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Carmichael, California. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Carmichael, California include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Long Beach Firemens Credit UnionLong Beach Firemens Credit UnionA+5.0 ★Texas Ratio: 1.00% offering New Vehicle Loan at 3.25%, KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering New Auto: 2026 or 2025 with under 5K miles at 3.29%, Thinkwise Federal Credit UnionThinkwise Federal Credit UnionA+5.0 ★Texas Ratio: 3.33% offering Auto Loans at 3.49%, Golden Valley Federal Credit UnionGolden Valley Federal Credit UnionA+5.0 ★Texas Ratio: 5.03% offering New & Used Auto Loans at 3.50%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Carmichael borrowers have access to 68 lenders serving the California area, with auto loan rates as low as 3.24% APR from Baxter Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Carmichael, California. Auto Loan Rates Last Updated and Verified: May 2, 2026
Compare Auto Loan Rates Today in Carmichael, California & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Auto: 2026 or 2025 with under 5K miles
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Auto: 2019 - 2025 with 5K miles or more
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 25, 2026
Details
As Low As
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Automobiles & Trucks
3.90%
1 to 60
▼
APR3.90%
Term1 to 60
Last UpdatedApr 17, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 25, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedMay 2, 2026
Details
Auto loans as low as 3.99% APR for 0 - 48 months
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
APR3.99%
Term66 Months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 84 months available.**
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 72 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loan
4.19%
up to 24 Months
▼
APR4.19%
Termup to 24 Months
Last UpdatedApr 27, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 27, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 2, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
Used Autos (2022 and older)
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to $125,000
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loan
4.39%
up to 48 Months
▼
APR4.39%
Termup to 48 Months
Last UpdatedApr 27, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
As Low As; 3.99%**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loan
4.49%
up to 60 Months
▼
APR4.49%
Termup to 60 Months
Last UpdatedApr 27, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
APR4.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 2, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.55%
2 Yrs
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2011 to 2015
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedApr 27, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.65%
3 Yrs
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2016 to 2019
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 48 Months
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details
2011 to 2015 Model Year
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2026 & Newer
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As; 4.24%**
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48 Months
▼
APR4.74%
Term24-48 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% MSRP
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Auto Loan Refinancing - 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates as low as 4.74% APR on vehicles 2016 or newer
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48 Months
▼
APR4.74%
Term1 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Pacific Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; *APR-Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month) Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.75%
4 Yrs
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2020 to 2024
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 2, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 2, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; $10,000 or Over
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedApr 18, 2026
Details
2016 to 2019 Model Year
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.85%
5 Yrs
▼
APR4.85%
Term5 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
Up to 60 months
▼
APR4.85%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As; Financing Available: 2025 or newer
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 48 Months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 60 Months
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loan
4.89%
up to 72 Months
▼
APR4.89%
Termup to 72 Months
Last UpdatedApr 27, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.90%
4 Months
▼
APR4.90%
Term4 Months
Last UpdatedApr 18, 2026
Details
2020 to 2024 Model Year
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.95%
6 Yrs
▼
APR4.95%
Term6 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos (Up to 10 Years Old)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 125% financing
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2026 & Newer
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As; 4.49%**
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 25, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% MSRP
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
Used Auto Loan
4.99%
24-48 Months
▼
APR4.99%
Term24-48 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% JD Power Value
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details
as low as
Mission Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Car Loan
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedApr 26, 2026
Details
As Low As; Model Year: 2022 and newer
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loan
4.99%
up to 84 Months
▼
APR4.99%
Termup to 84 Months
Last UpdatedApr 27, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 27, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 27, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
$20,000
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMay 2, 2026
Details
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Auto Loan Refinancing - 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates as low as 4.99% APR on vehicles 2016 or newer
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
NEW AUTO
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 72-78 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 60-66 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
4.99%
12-48
▼
APR4.99%
Term12-48
Last UpdatedMay 2, 2026
Details
As Low As
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Automobile and Truck
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan).
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; *APR-Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month) Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
Used Vehicle Loans - Cars, Trucks, and SUVs
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
New Vehicle
5.00%
12-84
▼
APR5.00%
Term12-84
Last UpdatedApr 17, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedApr 18, 2026
Details
2025 to 2027 Model Year
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto
5.00%
12 to 36 months
▼
APR5.00%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
New Car (80%-125% MSRP Financing)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Car (80%-110% Kelly Blue Book Value)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New and Used Vehicles
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
5.05%
2 Months
▼
APR5.05%
Term2 Months
Last UpdatedApr 18, 2026
Details
Model Year: 2011 to 2015
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Auto Loans
5.09%
up to 60 months
▼
APR5.09%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR*
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
New/Used Autos
5.09%
up to 60 months
▼
APR5.09%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
Up to 125% financing, including tax & license. (Total financing based on year of vehicle.)
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
NEW AUTO
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedMay 2, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; $15,000 or Over
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMay 2, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
5.09%
66 Months
▼
APR5.09%
Term66 Months
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
5.10%
6 Months
▼
APR5.10%
Term6 Months
Last UpdatedApr 18, 2026
Details
2025 to 2027 Model Year
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicles
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
5.15%
3 Months
▼
APR5.15%
Term3 Months
Last UpdatedApr 18, 2026
Details
Model Year: 2016 to 2019
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles
5.15%
1 - 36
▼
APR5.15%
Term1 - 36
Last UpdatedMay 2, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Used Auto Loans
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedApr 27, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
USED AUTO
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 2, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
5.19%
Up to 54 Months
▼
APR5.19%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Autos
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2022-2025 Used
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.24%
4-Year
▼
APR5.24%
Term4-Year
Last UpdatedApr 18, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Auto Loans
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of retail Kelley Blue Book for autos less than 6 years old
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; with discount
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; with discount
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Auto: 2026 or 2025 with under 5K miles
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
APR3.99%
Term66 Months
Last UpdatedMay 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 84 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 2, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to $125,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 2, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedApr 27, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48 Months
▼
APR4.74%
Term24-48 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% MSRP
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48 Months
▼
APR4.74%
Term1 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details
without Autopay
Pacific Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; *APR-Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month) Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 2, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
Up to 60 months
▼
APR4.85%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As; Financing Available: 2025 or newer
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 48 Months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 60 Months
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60 Months
▼
APR4.99%
Term49-60 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% MSRP
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 26, 2026
Details
as low as
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
$20,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMay 2, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
NEW AUTO
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 72-78 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
4.99%
12-48
▼
APR4.99%
Term12-48
Last UpdatedMay 2, 2026
Details
As Low As
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; *APR-Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month) Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
New Vehicle
5.00%
12-84
▼
APR5.00%
Term12-84
Last UpdatedApr 17, 2026
Details
As Low As
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
New Car (80%-125% MSRP Financing)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New and Used Vehicles
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
New/Used Autos
5.09%
up to 60 months
▼
APR5.09%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
Up to 125% financing, including tax & license. (Total financing based on year of vehicle.)
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
NEW AUTO
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedMay 2, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMay 2, 2026
Details
As Low As
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Vehicles
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New Vehicles
5.15%
1 - 36
▼
APR5.15%
Term1 - 36
Last UpdatedMay 2, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
5.19%
Up to 54 Months
▼
APR5.19%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; with discount
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; with discount
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Auto: 2019 - 2025 with 5K miles or more
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 72 months available.**
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 27, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
Used Autos (2022 and older)
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
As Low As; 3.99%**
APR4.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedMay 2, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As; 4.24%**
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 2, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedMay 2, 2026
Details
New Vehicles
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos (Up to 10 Years Old)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 125% financing
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As; 4.49%**
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
Used Auto Loan
4.99%
24-48 Months
▼
APR4.99%
Term24-48 Months
Last UpdatedApr 26, 2026
Details
As Low As; Amount Financed: Up to 135% JD Power Value
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 27, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMay 2, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedMay 2, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 60-66 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
with Autopay
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Automobile and Truck
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan).
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
Used Vehicle Loans - Cars, Trucks, and SUVs
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 17, 2026
Details
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Used Auto
5.00%
12 to 36 months
▼
APR5.00%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Used Car (80%-110% Kelly Blue Book Value)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New and Used Vehicles
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
New/Used Autos
5.09%
up to 60 months
▼
APR5.09%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
Up to 125% financing, including tax & license. (Total financing based on year of vehicle.)
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
5.09%
66 Months
▼
APR5.09%
Term66 Months
Last UpdatedMay 2, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Used Auto Loans
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedApr 27, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedApr 27, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
USED AUTO
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 2, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
5.19%
Up to 54 Months
▼
APR5.19%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
Used Vehicles
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Auto Loans
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of retail Kelley Blue Book for autos less than 6 years old
Powered by
MonitorBankRates
Carmichael, CA Auto Loan Rate Trends
Compare local Carmichael, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — CA Avg
5.859%
▼ 0.009 vs 7 days ago
California new auto rates fell 0.009 points over the past 7 days to 5.859% APR.
Used Auto Loan — CA Avg
6.146%
▲ 0.035 vs 7 days ago
California used auto rates rose 0.035 points over the past 7 days to 6.146% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Carmichael, California
How does my credit score affect my car loan rate in California?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Carmichael, California with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in California *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Carmichael, California typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Carmichael, California?
Based on our current data, some of the lowest auto loan rates available in Carmichael, California include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Long Beach Firemens Credit Union: 3.25% (New Vehicle Loan)
- KeyPoint Credit Union: 3.29% (New Auto: 2026 or 2025 with under 5K miles)
- Thinkwise Federal Credit Union: 3.49% (Auto Loans)
- Golden Valley Federal Credit Union: 3.50% (New & Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Carmichael, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking