Credit union · NCUA insured
1st Nor Cal® Credit Union Auto Loan Rates
Top Carrot1st Nor Cal® Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 16, 2026.
How 1st Nor Cal® Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st Nor Cal® Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Nor Cal® Credit Union
4.75%APR
- Terms
- 67–72 months
- Up to
- —
- Discount
- None included
New/Used Auto Loans
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
1st Nor Cal® Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Nor Cal® Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Lease Buyout
Processed in collaboration with Lease Buyout Center. Processing fee of $195. A credit inquiry will be required by Lease Buyout Center.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.50% | Rates as low as. Requires a minimum FICO 780 Credit Score. |
Sources (2)
All captured Oct 16, 2026
New/Used Auto Loans
Up to 100% financing on NEW autos, including purchase price, taxes, license and Mechanical Breakdown Insurance Warranty, with terms up to 84 months. Financing up to 100% of the retail Blue Book value on USED autos, plus taxes and license, with terms up to 60 months. Must be 18 years old or older to apply. Maximum terms vary based on loan amount.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates as low as. Requires a minimum FICO 780 Credit Score. 36 month term at 4.50% APR is $29.76 per $1,000 borrowed. |
| 37–48 months | 4.75% | Rates as low as. Requires a minimum FICO 780 Credit Score. 48 month term at 4.75% APR is $22.92 per $1,000 borrowed. |
| 49–66 months | 4.75% | Rates as low as. Requires a minimum FICO 780 Credit Score. 66 month term at 4.75% APR is $17.25 per $1,000 borrowed. Note: Used autos terms up to 60 months. |
| 67–72 months | 4.75% | Rates as low as. Requires a minimum FICO 780 Credit Score. 72 month term at 4.75% APR is $16.00 per $1,000 borrowed. |
| 73–84 months | 5.49% | Rates as low as. Requires a minimum FICO 780 Credit Score. 84 month term at 5.49% APR is $14.37 per $1,000 borrowed. |
Sources (2)
All captured Oct 16, 2026
New/Used Motorcycle Loans
Up to 100% financing on NEW motorcycles including tax and license. Financing up to 100% of retail NADA Book value on USED motorcycles, not over 10 years old.
| Terms | APR | Conditions |
|---|---|---|
| — | 7.90% | Rates as low as. Requires a minimum FICO 780 Credit Score. 36 months term at 7.90% APR is $31.30 per $1,000 borrowed. |
Sources (2)
All captured Oct 16, 2026
Title Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates as low as. Requires a minimum FICO 780 Credit Score. 36 months term at 4.50% APR is $29.76 per $1,000.00 borrowed. Other rates and terms up to 66 months are available. |
Sources (1)
- 1stnorcalcu.org/rates/loan-rates · captured Oct 16, 2026
Who can join 1st Nor Cal® Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, regularly works, currently attends school, or currently worships in Contra Costa, Solano, or Alameda counties, and businesses/entities located there.
Family and household
- Membership is open to persons within the immediate family or household of a member.
- Membership is open to surviving persons within the immediate family of a deceased member.
Other ways
- Membership is open to corporate or other legal entities listed.
- Membership is open to organizations of eligible persons listed.
- Membership is open to persons retired as pensioners or annuitants from any of the eligible groups listed.
Cost to join
- Membership requires a one-time $5 minimum deposit.
Membership information collected October 5, 2026.