Auto Loan Rates in Kernville, California (CA) for April 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 Kernville, California. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kernville, California include AltaOne Federal Credit UnionAltaOne Federal Credit Union44 Big Blue Road, Kernville, CA, 93238A5.0 ★Texas Ratio: 6.90% offering Autos at 4.74%, Bakersfield City Employees Federal Credit UnionBakersfield City Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.81% offering New Vehicle Loan at 1.99%, 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%. Auto loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Kernville has 1 local institution in our database, with auto loan rates as low as 4.74% APR from AltaOne Federal Credit Union at 44 Big Blue Road, Kernville, CA, 93238. 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 Kernville, California. Auto Loan Rates Last Updated and Verified: April 5, 2026
Compare Auto Loan Rates Today in Kernville, California & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2026 & Newer
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2026 & Newer
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2022-2025 Used
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2022-2025 Used
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2026 & Newer
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2022-2025 Used
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2026 & Newer
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2026 & Newer
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2022-2025 Used
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
7.00%
66 Months
▼
APR7.00%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2017-2021
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
7.25%
75 Months
▼
APR7.25%
Term75 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2017-2021
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Autos
8.50%
66 Months
▼
APR8.50%
Term66 Months
Last UpdatedApr 4, 2026
Details
As Low As; 2012-2016
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
44 Big Blue Road, Kernville, CA, 93238
Classic Vehicle
11.49%
60 Months
▼
APR11.49%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Vehicle Loan
1.99%
48 mo
▼
APR1.99%
Term48 mo
Last UpdatedApr 4, 2026
Details
As Low As; Based On Credit Score
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Used Vehicle Loan
2.49%
48 mo
▼
APR2.49%
Term48 mo
Last UpdatedApr 4, 2026
Details
As Low As; Based On Credit Score
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 25, 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 UpdatedMar 27, 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 UpdatedMar 24, 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 UpdatedMar 24, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 4, 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 4, 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.
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
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 UpdatedMar 27, 2026
Details
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 27, 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 5, 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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Automobiles & Trucks
3.90%
1 to 60 Months
▼
APR3.90%
Term1 to 60 Months
Last UpdatedApr 4, 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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 4, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 UpdatedMar 25, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 2, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Auto Loan
3.99%
12-36
▼
APR3.99%
Term12-36
Last UpdatedApr 2, 2026
Details
As Low As
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 4, 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 4, 2026
Details
As Low As; Terms up to 72 months available.**
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 680-719
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 27, 2026
Details
Greater Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.19%
72 Months
▼
APR4.19%
Term72 Months
Last UpdatedMar 26, 2026
Details
As Low As; APR is available for terms up to 72 months. Minimum loan amount for 72-month financing is $15,000. Existing GVCU loans are not eligible for refinance at these rates. All loans are subject to credit approval, income verification, acceptable debt-to-income ratio, and loan-to-value requirements. Monthly payment per $10,000 borrowed for 60 months at 4.19% APR is $185.00. Monthly payment per $15,000 borrowed for 72 months at 4.19% APR is $235.95. Offer available for a limited time and subject to change or end without notice.
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2025 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMar 28, 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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 5, 2026
Details
As Low As
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Used Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 5, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 24, 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 UpdatedMar 27, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
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 2, 2026
Details
As Low As; Up to $125,000
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.48%
Up to 29
▼
APR4.48%
TermUp to 29
Last UpdatedMar 25, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 4, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 4, 2026
Details
2016 or Newer
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Auto Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 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)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 5, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.49%
4 Years
▼
APR4.49%
Term4 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 26, 2026
Details
As Low As
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 2, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 29, 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 UpdatedMar 24, 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 UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
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 UpdatedMar 28, 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 UpdatedMar 28, 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 UpdatedMar 28, 2026
Details
with Autopay
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Auto Loan
4.49%
37-48
▼
APR4.49%
Term37-48
Last UpdatedApr 2, 2026
Details
As Low As
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 4, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 24, 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 UpdatedMar 27, 2026
Details
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 27, 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 UpdatedMar 25, 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 4, 2026
Details
Model Year: 2011 to 2015
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
School Employee Auto Loan with Summers Off - New
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedApr 5, 2026
Details
United Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto/Truck
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedMar 29, 2026
Details
Up to 84 months*
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan
4.63%
12 to 48 Months
▼
APR4.63%
Term12 to 48 Months
Last UpdatedMar 24, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 29, 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 4, 2026
Details
Model Year: 2016 to 2019
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.68%
30 to 36
▼
APR4.68%
Term30 to 36
Last UpdatedMar 25, 2026
Details
As Low As
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 4, 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 4, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 48 Months
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 4, 2026
Details
2011 to 2015 Model Year
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.98%
Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedApr 5, 2026
Details
As Low As; Amount Financed Up to 135%
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.69%
Vehicle Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; Financing: 100%
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 5, 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 5, 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 5, 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 5, 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
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As; with discount
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Auto Loan 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Auto Loan 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
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 UpdatedMar 25, 2026
Details
As Low As; vehicles 2016 or newer
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedMar 27, 2026
Details
As Low As; Max. Loan Up to $125,000
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 2, 2026
Details
As Low As
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 UpdatedMar 27, 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 UpdatedMar 24, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loan
4.74%
3 Months
▼
APR4.74%
Term3 Months
Last UpdatedMar 26, 2026
Details
As Low As
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 UpdatedMar 28, 2026
Details
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 UpdatedMar 28, 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 UpdatedMar 28, 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 UpdatedMar 28, 2026
Details
without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMar 28, 2026
Details
As Low As
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 UpdatedMar 29, 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.
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 UpdatedMar 25, 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 UpdatedMar 24, 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 UpdatedMar 26, 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 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 4, 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 4, 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 4, 2026
Details
Model Year: 2020 to 2024
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Auto
4.75%
1 - 48
▼
APR4.75%
Term1 - 48
Last UpdatedApr 4, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMar 24, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 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 UpdatedMar 28, 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 UpdatedMar 28, 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 Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 28, 2026
Details
As Low As; 60 months or less
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Auto Loan
4.75%
61-72
▼
APR4.75%
Term61-72
Last UpdatedMar 24, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Used Auto Loan
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedMar 24, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 25, 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 Loan
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
APR4.79%
Term72 Months
Last UpdatedMar 24, 2026
Details
As Low As; Terms up to 84 months
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.79%
Up to 48 Months
▼
APR4.79%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.79%
54 Months
▼
APR4.79%
Term54 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
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 4, 2026
Details
2016 to 2019 Model Year
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
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 UpdatedMar 29, 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 4, 2026
Details
Model Year: 2025 to 2027
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedMar 28, 2026
Details
As Low As; Financing Available: 2025 or newer
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
New Cars
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 24, 2026
Details
2025-2026 models with less than 7,500 miles.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 4, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As; Minimum Amount Financed $15,000
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 4, 2026
Details
2020 to 2024 Model Year
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedApr 2, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Vehicle Loan
4.94%
1-36
▼
APR4.94%
Term1-36
Last UpdatedMar 29, 2026
Details
As Low As; LTV <=75%
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 4, 2026
Details
Model Year: 2025 to 2027
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2025 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMar 28, 2026
Details
As Low As
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.98%
67 to 75
▼
APR4.98%
Term67 to 75
Last UpdatedMar 25, 2026
Details
As Low As
Skyone Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 28, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 26, 2026
Details
Direct Deposit APR
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 4, 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 4, 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 4, 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 4, 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 4, 2026
Details
As Low As; up to 125% financing
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 4, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
2020 & Newer Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
GoldStar® Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Rate is 0.25% higher for non-GoldStar® members
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loans - 2021 - 2025
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As; Rates subject to change, are based on credit and qualifications met. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
SRI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Used Car Loans
4.99%
up to 72
▼
APR4.99%
Termup to 72
Last UpdatedApr 4, 2026
Details
Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
New Auto (2024 & newer)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
Up to 135% financing; must have 7,500 miles or fewer
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
2021 or Newer
Mission City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Regular APR: 4.99% - 13.74%
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 5, 2026
Details
As Low As; Amount Financed Up to 135%
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 5, 2026
Details
As Low As; Up to 135%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Vehicle Loan
1.99%
48 mo
▼
APR1.99%
Term48 mo
Last UpdatedApr 4, 2026
Details
As Low As; Based On Credit Score
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 UpdatedMar 27, 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 UpdatedMar 24, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 4, 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 4, 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.
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
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 UpdatedMar 27, 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 5, 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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 4, 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
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 4, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 4, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 UpdatedMar 25, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 2, 2026
Details
As Low As
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
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 4, 2026
Details
As Low As; Terms up to 84 months available.**
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 680-719
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2025 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMar 28, 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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 5, 2026
Details
As Low As
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 5, 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 UpdatedMar 27, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
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 2, 2026
Details
As Low As; Up to $125,000
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.48%
Up to 29
▼
APR4.48%
TermUp to 29
Last UpdatedMar 25, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Auto Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 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)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 5, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.49%
4 Years
▼
APR4.49%
Term4 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 26, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 29, 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 UpdatedMar 24, 2026
Details
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 UpdatedMar 28, 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 UpdatedMar 28, 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 UpdatedMar 28, 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 4, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 24, 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 UpdatedMar 27, 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 UpdatedMar 25, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
School Employee Auto Loan with Summers Off - New
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedApr 5, 2026
Details
United Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto/Truck
4.59%
84 Months
▼
APR4.59%
Term84 Months
Last UpdatedMar 29, 2026
Details
Up to 84 months*
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 29, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.68%
30 to 36
▼
APR4.68%
Term30 to 36
Last UpdatedMar 25, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedApr 5, 2026
Details
As Low As; Amount Financed Up to 135%
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 5, 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 5, 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
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As; with discount
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedMar 27, 2026
Details
As Low As; Max. Loan Up to $125,000
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 2, 2026
Details
As Low As
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 UpdatedMar 27, 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 UpdatedMar 24, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loan
4.74%
3 Months
▼
APR4.74%
Term3 Months
Last UpdatedMar 26, 2026
Details
As Low As
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 UpdatedMar 28, 2026
Details
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 UpdatedMar 28, 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 UpdatedMar 28, 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 UpdatedMar 28, 2026
Details
without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMar 28, 2026
Details
As Low As
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 UpdatedMar 29, 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.
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 UpdatedMar 25, 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 UpdatedMar 24, 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 UpdatedMar 26, 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 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 4, 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 4, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
New Auto
4.75%
1 - 48
▼
APR4.75%
Term1 - 48
Last UpdatedApr 4, 2026
Details
As Low As
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 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMar 24, 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 UpdatedMar 28, 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 Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 28, 2026
Details
As Low As; 60 months or less
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.79%
Up to 48 Months
▼
APR4.79%
TermUp to 48 Months
Last UpdatedMar 24, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.79%
54 Months
▼
APR4.79%
Term54 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
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 UpdatedMar 29, 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%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedMar 28, 2026
Details
As Low As; Financing Available: 2025 or newer
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
New Cars
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 24, 2026
Details
2025-2026 models with less than 7,500 miles.
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As; Minimum Amount Financed $15,000
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedApr 2, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto Loan
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2025 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMar 28, 2026
Details
As Low As
California Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Auto Loans - Model Years 2022 and Newer
4.98%
67 to 75
▼
APR4.98%
Term67 to 75
Last UpdatedMar 25, 2026
Details
As Low As
Skyone Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 28, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 26, 2026
Details
Direct Deposit APR
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 4, 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 4, 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 4, 2026
Details
As Low As
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 4, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
2020 & Newer Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
SRI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
New Car Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
New Auto (2024 & newer)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
Up to 135% financing; must have 7,500 miles or fewer
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 5, 2026
Details
As Low As; Amount Financed Up to 135%
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Used Vehicle Loan
2.49%
48 mo
▼
APR2.49%
Term48 mo
Last UpdatedApr 4, 2026
Details
As Low As; Based On Credit Score
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 UpdatedMar 24, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 4, 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 4, 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.
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 27, 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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 4, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 UpdatedMar 25, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 2, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
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 4, 2026
Details
As Low As; Terms up to 72 months available.**
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 4, 2026
Details
Credit Score 680-719
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 24, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMar 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 5, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 28, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Used Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 5, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 24, 2026
Details
As Low As
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 4, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 26, 2026
Details
As Low As
University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★ Texas Ratio: 15.35%
New and Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 29, 2026
Details
As Low As
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 27, 2026
Details
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
New & Used Vehicle
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
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 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 26, 2026
Details
As Low As
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 UpdatedMar 27, 2026
Details
As Low As
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 UpdatedMar 24, 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 4, 2026
Details
As Low As; No Payments for up to 90 Days
Torrance Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
Credit Score 720+
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
As Low As
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 UpdatedMar 28, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Used Auto Loan
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedMar 24, 2026
Details
CHAFFEY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.79%
54 Months
▼
APR4.79%
Term54 Months
Last UpdatedMar 25, 2026
Details
New Vehicles
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedApr 4, 2026
Details
Advertised rate includes: 80% of LTV, -0.25% Direct Deposit, -0.25% Auto-Pay. 100% Financing is available.
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Used Vehicle Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 26, 2026
Details
Direct Deposit APR
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 4, 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 4, 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 4, 2026
Details
As Low As; up to 125% financing
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 4, 2026
Details
As Low As
Certified Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Used Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 4, 2026
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Used Car Loans
4.99%
up to 72
▼
APR4.99%
Termup to 72
Last UpdatedApr 4, 2026
Details
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
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 5, 2026
Details
As Low As; Up to 135%
Powered by
MonitorBankRates
Kernville, CA Auto Loan Rate Trends
Compare local Kernville, 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
6.290%
▼ 0.183 vs 7 days ago
California new auto rates fell 0.183 points over the past 7 days to 6.290% APR.
Used Auto Loan — CA Avg
6.626%
▼ 0.050 vs 7 days ago
California used auto rates fell 0.050 points over the past 7 days to 6.626% APR.
As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Kernville, 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 Kernville, 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 Kernville, 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 Kernville, California?
Based on our current data, some of the lowest auto loan rates available in Kernville, California include:
- AltaOne Federal Credit Union: 4.74% (Autos)
- Bakersfield City Employees Federal Credit Union: 1.99% (New Vehicle Loan)
- 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)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kernville, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 5, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking