Auto Loan Rates in Sunnyvale, California (CA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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 Sunnyvale, California. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sunnyvale, California include Star One Credit UnionStar One Credit Union1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005A+5.0 ★Texas Ratio: 0.72% offering New Auto Loans at 4.75%, Premier One Credit UnionPremier One Credit Union1193 E Arques Ave, Sunnyvale, CA, 94085 3904A+5.0 ★Texas Ratio: 1.63% offering New Vehicles at 5.15%, Technology Credit UnionTechnology Credit Union333 W El Camino Real, Sunnyvale, CA, 94087A+5.0 ★Texas Ratio: 3.60% offering New Auto Loan at 5.24%, 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%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sunnyvale has 3 local institutions in our database, with auto loan rates as low as 4.75% APR from Star One Credit Union at 1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005. 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 Sunnyvale, California. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Sunnyvale, California & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 12, 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%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 12, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.15%
1 - 36
▼
APR5.15%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.25%
37 - 48
▼
APR5.25%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.25%
1 - 36
▼
APR5.25%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.35%
49 - 60
▼
APR5.35%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.40%
1 - 36
▼
APR5.40%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.50%
37 - 48
▼
APR5.50%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
5.50%
1- 36
▼
APR5.50%
Term1- 36
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.50%
61 - 66
▼
APR5.50%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.50%
37 - 48
▼
APR5.50%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.60%
49 - 60
▼
APR5.60%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
5.75%
37 - 48
▼
APR5.75%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.75%
67 - 72
▼
APR5.75%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.75%
61 - 66
▼
APR5.75%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
6.00%
61 - 66
▼
APR6.00%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
6.00%
73 - 84
▼
APR6.00%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
6.00%
67 - 72
▼
APR6.00%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
6.30%
61 - 66
▼
APR6.30%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
6.50%
67 - 72
▼
APR6.50%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
6.75%
67 - 72
▼
APR6.75%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
6.95%
85 - 96
▼
APR6.95%
Term85 - 96
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
7.20%
108 Months
▼
APR7.20%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.20%
85 - 96
▼
APR7.20%
Term85 - 96
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
7.45%
120 Months
▼
APR7.45%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.45%
108 Months
▼
APR7.45%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.70%
120 Months
▼
APR7.70%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
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 12, 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 UpdatedMay 12, 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 UpdatedMay 6, 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.
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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 12, 2026
Details
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 24 month to 84 month terms
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 10, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto (2022 or newer)
3.99%
66 Months
▼
APR3.99%
Term66 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
3.99%
Up to 3 years
▼
APR3.99%
TermUp to 3 years
Last UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
3.99%
Up to 3 years
▼
APR3.99%
TermUp to 3 years
Last UpdatedMay 10, 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 12, 2026
Details
As Low As; APR - 2026 & Newer
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 UpdatedMay 12, 2026
Details
Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Up to 60 Months
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 UpdatedMay 12, 2026
Details
Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Up to 60 Months
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Autos
4.19%
24 Months
▼
APR4.19%
Term24 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMay 7, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.24%
4 years
▼
APR4.24%
Term4 years
Last UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.24%
4 years
▼
APR4.24%
Term4 years
Last UpdatedMay 10, 2026
Details
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 12, 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 UpdatedMay 6, 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
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 12, 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 UpdatedMay 7, 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.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Autos
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 12, 2026
Details
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 12, 2026
Details
New Vehicles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Autos
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto (2022 or newer)
4.49%
75 Months
▼
APR4.49%
Term75 Months
Last UpdatedMay 10, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto (2021 or older)
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 10, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedMay 10, 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 12, 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 12, 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 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 2026
Details
APR with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
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 UpdatedMay 10, 2026
Details
As Low As
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 12, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
As Low As
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 12, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015 Model Year
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loan
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
School Employee Auto Loan with Summers Off - 36 months
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
School Employee Auto Loan with Summers Off - 48 months
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
School Employee Auto Loan with Summers Off - 60 months
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 12, 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 12, 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 UpdatedMay 10, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019 Model Year
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 UpdatedMay 7, 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.
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 6, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 12, 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 12, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.70%
2 Yrs
▼
APR4.70%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
2011 to 2015
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loans
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedMay 7, 2026
Details
As Low As; **
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto (2021 or older)
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 10, 2026
Details
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 12, 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 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 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 12, 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
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 12, 2026
Details
As Low As; New (Model years 2026 or newer)
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 12, 2026
Details
As Low As; 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 LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Credit Union of Southern California
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 12, 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
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 6, 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%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 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
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedMay 6, 2026
Details
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024 Model Year
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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
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 12, 2026
Details
As Low As; 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 12, 2026
Details
As Low As; $10,000 or Over
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 UpdatedMay 12, 2026
Details
84 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
84 Months
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.80%
3 Yrs
▼
APR4.80%
Term3 Yrs
Last UpdatedMay 6, 2026
Details
2016 to 2019
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 UpdatedMay 6, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 6, 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 12, 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%
Car Loans
4.85%
5 Months
▼
APR4.85%
Term5 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; 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 UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
As Low As; Minimum Amount Financed $15,000
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Autos
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 7, 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 12, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
car loans risk grade a++
4.90%
4 Yrs
▼
APR4.90%
Term4 Yrs
Last UpdatedMay 6, 2026
Details
2020 to 2024
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Vehicle Loan
4.94%
1-36
▼
APR4.94%
Term1-36
Last UpdatedMay 10, 2026
Details
As Low As; LTV <=75%
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Car Loans
4.95%
6 Months
▼
APR4.95%
Term6 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As; up to 125% financing
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Auto Loans
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As; Rate is 0.25% higher for non-GoldStar® members
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 12, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.15%
1 - 36
▼
APR5.15%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.25%
37 - 48
▼
APR5.25%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.35%
49 - 60
▼
APR5.35%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.40%
1 - 36
▼
APR5.40%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.50%
37 - 48
▼
APR5.50%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.50%
61 - 66
▼
APR5.50%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
5.60%
49 - 60
▼
APR5.60%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
5.75%
67 - 72
▼
APR5.75%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
6.00%
73 - 84
▼
APR6.00%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
6.30%
61 - 66
▼
APR6.30%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - New Auto
6.50%
67 - 72
▼
APR6.50%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
6.95%
85 - 96
▼
APR6.95%
Term85 - 96
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
7.20%
108 Months
▼
APR7.20%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
New Vehicles
7.45%
120 Months
▼
APR7.45%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current or Prior Year with <2,000 miles and not previously registered
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
333 W El Camino Real, Sunnyvale, CA, 94087
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
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 UpdatedMay 12, 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 UpdatedMay 6, 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.
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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 10, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto (2022 or newer)
3.99%
66 Months
▼
APR3.99%
Term66 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
3.99%
Up to 3 years
▼
APR3.99%
TermUp to 3 years
Last UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Up to 60 Months
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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMay 7, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.24%
4 years
▼
APR4.24%
Term4 years
Last UpdatedMay 10, 2026
Details
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 12, 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 UpdatedMay 6, 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
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 12, 2026
Details
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 12, 2026
Details
New Vehicles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto (2022 or newer)
4.49%
75 Months
▼
APR4.49%
Term75 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 2026
Details
APR with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
As Low As
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 12, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
New Auto Loan
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 12, 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 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 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%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 6, 2026
Details
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 UpdatedMay 7, 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.
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 12, 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 UpdatedMay 6, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loans
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; with discount
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
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 12, 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 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 2026
Details
APR 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 12, 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 12, 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
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 12, 2026
Details
As Low As; New (Model years 2026 or newer)
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 12, 2026
Details
As Low As; 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 LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Credit Union of Southern California
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 12, 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
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 6, 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%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
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 12, 2026
Details
As Low As; 60 months or less
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 UpdatedMay 12, 2026
Details
84 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
84 Months
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 UpdatedMay 6, 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 12, 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 UpdatedMay 7, 2026
Details
As Low As; 2025 or newer
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 UpdatedMay 7, 2026
Details
As Low As; Minimum Amount Financed $15,000
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 12, 2026
Details
New Vehicles
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 12, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.25%
1 - 36
▼
APR5.25%
Term1 - 36
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
5.50%
1- 36
▼
APR5.50%
Term1- 36
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.50%
37 - 48
▼
APR5.50%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
5.75%
37 - 48
▼
APR5.75%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
5.75%
61 - 66
▼
APR5.75%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
6.00%
61 - 66
▼
APR6.00%
Term61 - 66
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
6.00%
67 - 72
▼
APR6.00%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
First Time Buyer/Limited Credit - Used Auto
6.75%
67 - 72
▼
APR6.75%
Term67 - 72
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.20%
85 - 96
▼
APR7.20%
Term85 - 96
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.45%
108 Months
▼
APR7.45%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
Premier One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
1193 E Arques Ave, Sunnyvale, CA, 94085 3904
Used Vehicles
7.70%
120 Months
▼
APR7.70%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As; Current Year with >2,000 miles or previously registered
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 UpdatedMay 6, 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.
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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
3.99%
Up to 3 years
▼
APR3.99%
TermUp to 3 years
Last UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
Up to 60 Months
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 UpdatedMay 6, 2026
Details
As Low As; Terms up to 72 months available.**
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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.24%
4 years
▼
APR4.24%
Term4 years
Last UpdatedMay 10, 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
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
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 12, 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 UpdatedMay 7, 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.
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 12, 2026
Details
New Vehicles
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto (2021 or older)
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 10, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedMay 10, 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 12, 2026
Details
As Low As
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 12, 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 12, 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 UpdatedMay 7, 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 UpdatedMay 6, 2026
Details
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 UpdatedMay 7, 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.
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 12, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto (2021 or older)
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 10, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 12, 2026
Details
As Low As; New (Model years 2026 or newer)
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 UpdatedMay 6, 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%
Used Vehicle Loans - Cars, Trucks, and SUVs
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedMay 6, 2026
Details
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
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 UpdatedMay 10, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 6, 2026
Details
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 12, 2026
Details
New Vehicles
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 6, 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
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As
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MonitorBankRates
Sunnyvale, CA Auto Loan Rate Trends
Compare local Sunnyvale, 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
6.007%
▲ 0.154 vs 7 days ago
California new auto rates rose 0.154 points over the past 7 days to 6.007% APR.
Used Auto Loan — CA Avg
6.282%
▲ 0.131 vs 7 days ago
California used auto rates rose 0.131 points over the past 7 days to 6.282% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Sunnyvale, 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 Sunnyvale, 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 Sunnyvale, 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 Sunnyvale, California?
Based on our current data, some of the lowest auto loan rates available in Sunnyvale, California include:
- Star One Credit Union: 4.75% (New Auto Loans)
- Premier One Credit Union: 5.15% (New Vehicles)
- Technology Credit Union: 5.24% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Long Beach Firemens Credit Union: 3.25% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sunnyvale, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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