Credit union · NCUA insured
1st United Credit Union Auto Loan Rates
1st United Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How 1st United Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st United Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st United Credit Union
5.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
New 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 United Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st United 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.
Motorcycle Loans
APR as of October 1, 2026, and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of the vehicle, amount financed and terms and conditions. Loans are subject to credit approval. Proof of insurance required. Loan payment example: $20.80 per month for each $1,000 borrowed at 9.09% APR for 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.09% | Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed and terms and conditions. Payment example: $20.80 per month for each $1,000 borrowed at 9.09% APR for 60 months. |
Sources (2)
All captured Oct 6, 2026
New Auto Loans
Minimum loan for 60 month term is $15,000. Minimum loan for 72 month term is $20,000. Minimum loan for 84 month term is $30,000. Maximum loan is $65,000. Minimum loan $5,000; Proof of insurance required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.49% | Year 2026-2027. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Payment example: $16.33 per month for each $1,000 borrowed at 5.49% APR for 72 months. Minimum loan $20,000. |
| up to 84 months | 5.94% | Year 2026-2027. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Minimum loan $30,000. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loans
Minimum loan for 60 month term is $15,000. Minimum loan for 72 month term is $20,000. Minimum loan for 84 month term is $30,000. Maximum loan is $65,000. Minimum loan $5,000; Proof of insurance required. Add 2% for year models 2019 and older or mileage over 100K. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74% | Year 2020-2025. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Minimum loan $20,000. |
| up to 84 months | 6.19% | Year 2020-2025. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Minimum loan $30,000. |
Sources (2)
All captured Oct 6, 2026
Who can join 1st United 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, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Employers and groups
- Membership is open to any member of one of the credit union's Select Employee Groups (SEGs).
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.
Membership information collected October 5, 2026.