Credit union · NCUA insured
AltaOne Federal Credit Union Auto Loan Rates
AltaOne Federal 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 AltaOne Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bakersfield, CA, where AltaOne Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AltaOne Federal Credit Union
5.49%APR
- Terms
- up to 66 months
Auto Loans
Lowest rate
Desert Valleys Federal Credit Union
3.50%APR
- Terms
- up to 84 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
AltaOne Federal 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 AltaOne 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.
Auto Loan Refinance Pre-Approval ($50,000)
Pre-approved auto refinance offer up to $50,000. Refinances from another financial institution only; existing AltaOne loans not eligible. Model years older than 2017 excluded. $5,000 minimum refinance loan amount. Up to 130% financing of retail value for 2017 & newer vehicles. Terms up to 84 months. Floor rate of 5.49% APR. AltaOne membership required. 1% cash back bonus up to $500 (repaid if loan is paid off within 6 months). Optional no payments for up to 90 days (interest accrues from funding).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | As low as 5.49% APR on model years 2022-2025 for 36-month term for highly qualified borrowers. Floor of 5.49% APR. Maximum loan amount $50,000. |
Sources (1)
- altaone.org/auto-approval-26 · captured Oct 16, 2026
Auto Loan Refinance Pre-Approval ($60,000)
Pre-approved auto refinance offer up to $60,000. Refinances from another financial institution only; existing AltaOne loans not eligible. Model years older than 2017 excluded. $5,000 minimum refinance loan amount. Up to 130% financing of retail value for 2017 & newer vehicles. Terms up to 84 months. Floor rate of 5.24% APR. AltaOne membership required. 1% cash back bonus up to $500 (repaid if loan is paid off within 6 months). Optional no payments for up to 90 days (interest accrues from funding).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | As low as 5.24% APR on model years 2022-2025 for 36-month term for highly qualified borrowers. Floor of 5.24% APR. Maximum loan amount $60,000. |
Sources (1)
- altaone.org/auto-approval-2026 · captured Oct 16, 2026
Auto Loan Refinance Special
Existing AltaOne loans are not eligible for refinancing. Model years older than 2017 excluded. $5,000 minimum refinance loan amount. Terms up to 84 months. Rate floor of 4.74% APR. AltaOne membership required. Optional no payments for up to 90 days (interest accrues from funding). Cash Back Bonus: 1% of amount financed up to $500 (added to payoff if paid off within 6 months).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Rate floor of 4.74% APR. Terms up to 84 months. Minimum refinance loan amount $5,000. |
Auto Loans
AltaOne membership required. Available for new and used autos, or refinancing an existing auto loan. Up to 125% or 130% of dealer invoice or wholesale value depending on vehicle model years. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.09% | Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 48 months | 5.24% | Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 66 months | 5.49% | Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 75 months | 5.99% | Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 84 months | 6.24% | Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 36 months | 5.59% | Model years 2022-2025 Used. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 48 months | 5.74% | Model years 2022-2025 Used. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 66 months | 5.74% | Model years 2022-2025 Used. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 75 months | 6.24% | Model years 2022-2025 Used. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 84 months | 6.49% | Model years 2022-2025 Used. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 66 months | 6.49% | Model years 2017-2021. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 75 months | 6.74% | Model years 2017-2021. Maximum financing up to 130% of Dealer Invoice or Wholesale Value. |
| up to 66 months | 8.49% | Model years 2012-2016. Maximum financing up to 115% of Wholesale Value. |
Classic Vehicle Loan
Must be considered Classic, Collectible or Special Interest Car and listed in the N.A.D.A. Photos required. A classic car is typically 25 years or older, of historical interest to be collectible, and tends to be restored. Must be registered, running, and in excellent condition. AltaOne membership required. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 11.49% | Model years over 15 years old. Maximum financing up to 100% of Cash Selling Price or Appraised Value, including tax and/or license. |
Sources (1)
- altaone.org/rates · captured Oct 16, 2026
Motorcycle Loans
AltaOne membership required. Up to 125% of retail value on new and used motorcycles. Up to 84-month terms. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.74% | New motorcycles. Maximum financing up to 125% of Retail Value. |
| up to 72 months | 7.99% | Model years 2022-2026. Maximum financing up to 125% of Retail Value. |
| up to 60 months | 8.74% | Model years 2017-2021. Maximum financing up to 125% of Retail Value. |
Who can join AltaOne Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Kern, Inyo, Mono, and northern San Bernardino counties are eligible for membership.
Employers and groups
- Businesses in Kern, Inyo, Mono, and northern San Bernardino counties can join.
Membership information collected October 5, 2026.