Credit union · NCUA insured
Aerospace Federal Credit Union Auto Loan Rates
Top CarrotAerospace Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Aerospace Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Aerospace Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Aerospace Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Aerospace Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Aerospace Federal 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.
New Motorcycle Loan
AFCU finances up to 90% of purchase price including tax and license. Rates expressed as APR. The rate you receive will be based on your creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $23.49. Financing up to 90% of purchase price including tax and license. |
| up to 60 months | 6.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $19.34. Financing up to 90% of purchase price including tax and license. |
| up to 72 months | 6.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $16.58. Financing up to 90% of purchase price including tax and license. |
Sources (1)
- aerofcu.org/Rates/Auto-Loans · captured Oct 9, 2026
New Vehicle Loan
AFCU will finance up to 100% of purchase price including tax, license, and extended warranty. Vehicle is considered new for current and previous model year if unregistered and under 1,000 miles. Rate based on creditworthiness. Optional 90-day payment deferral. Existing AFCU auto loan refinance requires 90+ days on record in good standing with a $200 processing fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Rate requires automatic payments from an AFCU Checking Account. Loan applications must be submitted and funded by October 31, 2026. Rate based on creditworthiness. Monthly payment per $1,000 borrowed for 60 months is $18.65. |
| up to 36 months | 5.95% | Rate applies when automatic payments from an AFCU Checking Account is not selected. Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $30.40. |
| up to 48 months | 6.30% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $23.63. |
| up to 60 months | 6.30% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $19.48. |
| up to 72 months | 6.55% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $16.84. |
| up to 84 months | 7.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $15.10. |
Used Motorcycle Loan
AFCU finances up to 90% of Wholesale Blue Book value. Rates expressed as APR. The rate you receive will be based on your creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $30.88. Financing up to 90% of Wholesale Blue Book value. |
| up to 48 months | 7.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $23.95. Financing up to 90% of Wholesale Blue Book value. |
| up to 60 months | 7.00% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $19.81. Financing up to 90% of Wholesale Blue Book value. |
Sources (1)
- aerofcu.org/Rates/Auto-Loans · captured Oct 9, 2026
Used Vehicle Loan
For used vehicles four years and newer, 100% financing is based on Kelley Blue Book retail value (tax, license, and extended warranty included for dealer purchased vehicles). Rate based on creditworthiness. Optional 90-day payment deferral. Existing AFCU auto loan refinance requires 90+ days on record in good standing with a $200 processing fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50% | Rate requires automatic payments from an AFCU Checking Account. Loan applications must be submitted and funded by October 31, 2026. Rate based on creditworthiness. Monthly payment per $1,000 borrowed for 60 months is $18.65. |
| up to 36 months | 6.25% | Rate applies when automatic payments from an AFCU Checking Account is not selected. Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $30.54. |
| up to 48 months | 6.60% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $23.77. |
| up to 60 months | 6.60% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $19.62. |
| up to 72 months | 6.85% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $16.98. |
| up to 84 months | 7.30% | Rate based on creditworthiness. Monthly payment per $1,000 borrowed is $15.25. |
Who can join Aerospace Federal Credit Union
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